Home Loans

Let a local bank with friendly faces tell you about home mortgage options to suit your needs.

A house with a sold home for sale sign in front of it

United Citizens Bank & Trust is pleased to offer a broad selection of home loan products to fill the needs of both first time home buyers and existing home owners. We offer both adjustable and fixed rate financing for up to 30 years and through a secondary market lender we offer Rural Housing VA and FHA Loan programs that require little to no down payment.

Ready to apply?

Call one of our experienced lenders for more information.
To see what you may need to bring, check out our application information below.

Apply for a Loan

We are proud to offer a variety of loans to help meet your financial needs. Our loan officers are ready to meet with you, and help choose the loan that is right for you.

Please contact a loan officer at any of our branches to apply for a loan.

When applying for a loan, you may be asked to provide the following documentation:

  • Last two years W-2s
  • Pay Stubs for the last 30 days
  • Last two year's federal tax returns 
  • Personal Financial Statement
  • If currently renting, landlord's name & address for past two years
  • Valid sales contract signed by both parties (if a purchase transaction)
  • Proof of insurance
  • If refinance, copy of insurance policy and copy of deed
  • Corporate tax returns for last two years if ownership is 25% or more (if a business loan)
  • Year to date Profit & Loss (if a business loan)

We can help with:

  • Purchasing a vehicle
  • Purchasing an RV, boat, 4 wheeler or motorcycle
  • Purchasing of Farm Equipment
  • Agriculture needs
  • Debt consolidation
  • Vacations
  • Home purchase or New Construction
  • Home improvements
  • Unexpected expenses

Loan types to meet your needs:

  • Auto Loans
  • Boat, RV, and Motorcycle Loans
  • Loans secured with CD's, etc.
  • Unsecured Loans
  • Real estate Loans
  • Lines of Credit
  • Commercial loans
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