During your pre-approval process our mortgage lenders
will ask you questions to see if you qualify for first
time home buyer programs. If you have previously
been a homeowner, but have not owned a home in 3 years
you may also be eligible. These programs have
maximum income limits and require good credit. The main benefit is a minimal down payment requirement. The programs UB&T can help you with are:
Guaranteed Rural Housing Loan Program -
no money down
you are purchasing a new home or refinancing, UBT
offers mortgage programs to fit your situation. A
Fixed Rate Mortgage offers you a guaranteed interest
rate and a fixed monthly payment amount for the full
term of the loan, giving you peace of mind for as
long as you live in your home.
We have terms to fit your repayment needs.
As with most types of mortgages, a down payment
of 20% or more will usually eliminate the need for
Local servicing gives you the security and convenience
of making your payment to us. We do not require
you to escrow for taxes or insurance, although we
do encourage it as a budgeting tool.
We also offer servicing released mortgages that
have a slightly lower interest rate. However,
these loans are sold by us and they may require taxes
to be escrowed as part of your mortgage payment. See the loan officer at your local office for rates, terms and a loan application.
There are many reasons to refinance a home: such
as debt consolidation, lower interest rates, changing
the amortization, or cash needed for large purchases.
Let our mortgage lenders help you decide on the best
alternative for your own personal needs. See the loan officer at your local office for rates, terms and a loan application.
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
The UB&T Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.
To learn more or to apply, please get started here.
The Smart Option Student Loan features and benefits:
To learn more or to apply, please get started here.
- New interest rate type for Academic Year 2012-13. We now offer competitive fixed interest rates in addition to our low variable interest rates providing even more choice and flexibility.
- Borrow up to 100% of school certified education costs (minimum $1,000)
- Multiple in-school repayment options available
- Borrower benefits available – like rewards and interest rate reductions
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
- Fast Online Application. Our easy-to-complete application takes about 15 minutes. It's quick and easy.
- 24/7 online account management
- No prepayment penalty.
*We are compensated for the referral of Smart Option Student Loan customers.
Deciding to buy that special lot and build your
dream home can feel exciting and overwhelming. UB&T
has helped many people through this challenging process. We provide flexibility in our programs for lot purchases
and home construction. We make our construction loan
program easy, by helping you from the planning stage
through completion. As part of your construction loan
approval we make sure your final loan can convert
to a fixed rate product once the home is complete.
Ask our mortgage lenders to help you build your dream
This credit line allows you to borrow against some
of the equity in your home without the cost of refinancing.
A home equity line of credit can be a way of getting
a new kitchen, building a home addition, financing
college. This revolving credit line can be accessed
by writing a check. The funds become available again
as the principal is repaid, much like a credit card.
Interest paid on this loan could be tax deductible,
but please consult your tax advisor to be sure.See the loan officer at your local office for rates, terms and a loan application.
low cost way of using the equity in your home is to
get a closed-end home equity loan. It is similar to
a vehicle loan, but is secured by the equity in your
home, making the interest potentially tax-deductible.
You get all of the loan proceeds at the start, then
pay it back in monthly installments until the loan
is completely paid back. The interest rate and monthly
payment amount will be fixed for the term of the loan,
helping to make budgeting easier. You can use the
money for home improvements, a vacation, a new vehicle
and for many other purposes. Consult your tax advisor
to verify interest deductibility. See the loan officer at your local office for rates, terms and a loan application.
Whether its automobiles, trucks, boats or recreational
vehicles; we can loan you the funds needed to get
you to work or to the lake. Personal loans that are
not secured with collateral can be written for a variety
of financial needs under $5000. Loans are available
for any worthwhile purpose, and repayment terms are
always set to meet your budget. See the loan officer at your local office for rates, terms and a loan application.
personal line of credit is designed to protect your
checking account from becoming overdrawn. It can be
set up so that each deposit you make will be applied
to the loan balance first. Contact
your personal banker or loan officer on the terms
When you travel and shop, carry the credit cards
that carry our name and our guarantee of customer
satisfaction. Our VISA Gold Card and VISA Gold Rewards
Card are accepted worldwide. Use them for purchases
or to get cash at more than 360,000 bank offices and
automated teller machines (ATM) around the world.
Your Visa Card is password protected when shopping
at participating online stores. Travel accident insurance
is free when you pay for your travel with our credit
card. You also receive automatic coverage on
rental vehicles, at no additional cost, for damage
due to collision or theft.
24-hour card member service at 1-800-423-7503 or
view your account information online at www.mycardstatement.com. Customers with VISA Gold Reward Cards can go towww.scorecardrewards.com to check their point balance, travel items, merchandise items and redeem online.
one of our offices to apply or download the VISA Gold Card / VISA Gold Rewards
Card application forms (pdf). Please DO NOT return applications by email.
and their family of banks provide complete loan services
to help new or expanding businesses. If your business
is located in our market area of Dane, Green or Rock
Counties, please see our commercial lenders for your
financing and banking needs.
- Agricultural loans of all types
- Commercial Loans
- Lines of Credit
- Revolving Line
- Seasonal Line
- Term Loan
- Commercial Real Estate
- Small Business Administration (SBA)
- Letters Of Credit