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Home Loans
At United Commercial Bank, we understand that owning your home is one of your biggest dreams and investments. That is why we provide a wide range of home loans to assist you in making your dream a reality.
Quick Qualify ("QQ") Home Loans
Most of our home loan programs do not require the complicated income verification paperwork commonly required by conventional lenders. If you have little or no credit history in the United States, lacks sufficient proof of income, or is self-employed, our QQ Home Loans are a good choice for you. We can qualify you without asking for paycheck stubs or tax returns. Your source of down payment can be your savings, gifts from family members, other business sources, or even from overseas, as long as the funds have been deposited in your bank account for a reasonable period of time.
Make Your Dream Home More Affordable
We understand that most people dream of buying a home. However, qualifying for a home loan may not be easy for first-time homebuyers or borrowers with low- or moderate-income. We provide a wide range of special programs that benefit first time homebuyers, low-or moderate-income borrowers, or properties located in designated low-or moderate-income census tracts.
First Time Homebuyer Program
United Commercial Bank is an approved participating lender for the First Time Homebuyer Program at various cities. Our special home loan programs offer no down payment, no bank fees/no-points option, and/or secondary government financing. 1
The Security of Fixed Rate Loans
Our fixed rate loans give you the security of a fixed interest rate and monthly payment for the life of the loan. That way, there will be no surprises even with changing economic conditions.
The Flexibility of Adjustable Rate Loans
The lower initial interest rate of our adjustable rate loans makes qualifying easier. With the reduced initial payments, you can have extra cash up front for home improvement and furnishing.
Professional Lending Experience
Just as every home is unique, every homebuyer has unique financial needs. Our home loan professionals are dedicated to providing you with the highest level of performance and customized service. Based on your financial situation, our highly qualified lending professionals will assist you in selecting the right type of mortgage and make sure that the process is fast and hassle-free.
Efficient Approval Process
While you are looking for your dream house, we can make a conditional loan approval in about 24 to 48 hours after we receive the required documents from you. This will give you an instant edge over other buyers and strengthen your negotiation power during the home-searching process.
Please contact us for more information.
1. Various program and income guidelines apply. Program details and interest rates are subject to change without notice. Buy-up and buy-down options are available. Prepayment penalty may apply. Please ask us for details. For programs that offer no bank fees, a complete application must be submitted to UCB along with the appraisal fee and credit report fee. These fees will not be refunded if the loan application is denied by UCB or withdrawn by the borrowers. Contact us for details.