It’s more than a mortgage.
It's the path to home ownership.


Get your pre-approval, specific monthly payment and down payment information.
Take the first step.

Talk to a mortgage lender when you're ready.
708-531-8388

PURCHASE REFINANCE

It's more than a mortgage.
It's the path to lifelong memories.


Need a place to host backyard barbecues, birthday parties & holidays?
Work with UHL.

Talk to a mortgage lender when you're ready.
708-531-8388

PURCHASE REFINANCE

It's more than a mortgage.
It’s a path to college savings.


Need to start saving for your children’s college education?
We'll help you find a way.

Talk to a mortgage lender when you're ready.
708-531-8388

PURCHASE REFINANCE

It's more than a mortgage.
It's a path to early retirement.


Ready to plan for retirement so you can enjoy your golden years?
We'll help you create your future.

Talk to a mortgage lender when you're ready.
708-531-8388

PURCHASE REFINANCE

It's more than a mortgage.
It's the path to your vacation home.


Dreaming of a relaxing weekend retreat at your new lake house?
Make your dream a reality with UHL.

Talk to a mortgage lender when you're ready.
708-531-8388

PURCHASE REFINANCE

We’re here to help, when you’re ready.

We know the journey of buying a new home or refinancing a mortgage can be overwhelming. That’s why we give you all the information and tools to research and decide on a path before talking to a loan officer.
It’s your path, on your terms. No obligation. No Social Security number.
Get pre-approved

Get pre-approved.

Your path starts here.

  • Learn how much you can afford.
  • Determine estimated payments.
  • Get a certificate of pre-approval.
Buy a home

Purchase a new home.

Find your way home.

  • View current mortgage rates.
  • Compare home loan types.
  • Fine-tune your monthly payment.
Refinance your home

Refinance your home.

The road to savings.

  • Calculate how much you can save.
  • Lower your monthly payment.
  • Pay off your mortgage sooner.
On the way to our new loan

Your partner on the journey to a new loan.

When you're ready to take the first step, you need guidance you can trust.

We are expert mortgage bankers.

  • Trustworthy loan officers to guide you through the mortgage process
  • Average 15+ years experience
  • Local appraisers with extensive knowledge of area

We have a reputable history.

  • 75% of our business is referral or repeat-customer
  • Highest A+ BBB rating
  • Independent mortgage banker since 2002

We value customer service.

  • You contact us when you’re ready
  • No automated processes - speak to a live person
  • One banker to guide you every step of the way

Compare your options –- choose a path.

Our expert mortgage bankers will help you find the best loan.

At United Home Loans, we pride ourselves on our competitive mortgage rates, low fees, excellent customer service from our friendly staff and a no-hassle mortgage process.

30 year fixed rate

Traditional mortgage

  • No rising rates.
  • Steady monthly payments.
30 Year Fixed ›

15 year fixed rate

Traditional mortgage

  • Less interest, shorter term.
  • Secure a low rate.
15 Year Fixed ›

5/1 year ARM

Adjustable rate mortgage

  • Lowest rates available.
  • Minimize monthly payment.
5/1 year A.R.M. ›

Jumbo program

Jumbo home loans

  • Conforming loans $417,000+.
  • For high-priced or luxury home.
Jumbo mortgage ›

FHA loan

Federal Housing Administration

  • Low 3.5% down payment.
  • Government backed.
FHA mortgage ›

VA loan

US Dept. of Veterans Affairs

  • Veterans & surviving spouses.
  • As low as 0% down payment..
VA mortgage ›
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Direction from industry leaders

Posted 12/1/2016
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It's the most wonderful time of the year, but it's guaranteed to go by fast. In between working and shopping and wrapping and decorating and eating figgy pudding, try and …
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Testimonials

Customers share their experiences

I was looking for a lender that would allow most to be done online and for an easy process. Chris Ulrich from United Home Loans was everything I was looking for and more.

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