Consumer Lending Services

With a United legacy Bank loan, your dream can come true!  Whether it’s a home mortgage, a home equity line of credit, an auto loan, or a credit card, we have what you need to achieve your financial goals.

Mortgage Loans
Whether you are buying your first home, or refinancing your existing home loan, rest assured you are getting the best possible loan program at the best possible rate.

A United Legacy Bank Bank Mortgage Lender will guide you through the often confusing process.  Here are some of the options available to you:

  • Loans for a primary residence, second home, or investment property
  • First time home-buyer programs
  • Cash-out refinancing
In short, we have about anything you could want when it comes to residential mortgage loans.  

To see how we can help, get a FREE Mortgage Prequalification today!

Home Equity Lines of Credit
You work hard for your home!  Now, let the equity in your home work for you! With a United Legacy Bank Home Equity Line of Credit, you can add that luxury pool and spa, create that dream gourmet kitchen, buy that convertible, pay that tuition bill and more.  Best of all, there are NO CLOSING COST options available.

If flexibility is a priority, then a Home Equity Line of Credit is your best option.  Our Home Equity Lines of Credit feature the flexibility of interest-only payments and easy access to the line when you need it most.  

*Subject to credit approval and property valuation.  Property insurance is required.  Flood insurance may be required (if located in a flood zone).  Paying the minimum payment will result in a balloon payment when the line matures.  If we pay your closing costs, you will be required to take an initial loan advance in the amount of $10,000 and keep this balance on your credit line for six (6) months from the date of closing.  If your line amount is greater than $100,000, you must pay the difference in closing costs.  These fees generally total $500 to $1200.  Maximum Annual Percentage Rate is 18%

Home Equity Loan
If you prefer the security of a fixed payment and a fixed rate, then a Home Equity Loan is your best option.  Our Home Equity Loans are affordable and offer the peace of mind of a fixed monthly payment that is easy to budget.

*Subject to credit approval and property valuation.   Property insurance is required.  Flood insurance may be required (if located in a flood zone).

Consumer Loans
At United Legacy Bank, we offer a variety of loans to reach your particular goal.  Here are some examples:

  • Auto and Motorcycle Loans
  • Boat Loans
  • RV Loans
We offer competitive rates and flexible loans terms to meet your specific needs.  

*Subject to credit approval