personal home loans

Explore Home Loans Tailored for You at UBank

Ready to buy or refinance your home?

Let us simplify your home loan by walking you through the process, step by step.

Your local lender is here every step of the way to help you make your house into a home.


step 1:

Pick your product

We offer fixed rate mortgages through our secondary market investors on a 10, 15, 20, and 30 year loan term. 

  • In house, UBank offers three different adjustable rate mortgage options. These financing options cover the loan purpose of purchase, refinance, cash-out refinance (Home Equity), home improvement, and second lien mortgages. 
  • UBank also offers interim construction and land loans.

Need help deciding? Contact us today!




apply for UBank mortgage

Once you’ve picked the product that works best for you, apply for a UBank mortgage online, or by visiting your local relationship banker.


Need to speak with a UBank team member? Call (936) 639-5566 to make at an appointment!

Step 3:

Start Packing!

Once you have selected your product and loan term the UBank mortgage team does the heavy lifting from there! 

  • An experienced mortgage professional will help guide you through any questions.              
  • UBank mortgage loan officers are just as excited to work with you the day you submit your application as they are the day you sit down at the closing table.

We can’t wait to help you and your family in any way we can and look forward to calling you neighbor!

document checklist

New Mortgages

  1. Completed Mortgage Application
  2. Driver’s License and Social Security card for all applicants.
  3. Employment pay stubs for the last 30 days reflecting year-to-date totals.
  4. Previous 2 years of tax returns including W-2s, 1099, etc.
  5. Obligation to pay child support/alimony, copy of divorce decree or other agreement (if applicable).
  6.  Copy of Sales Contract (if available or applicable).
  7. Legal description of Property (i.e., copy of Deed of Trust, Tax Receipts, or Survey).
  8. Copy of current survey. 
  9. Name and phone number of Insurance Agent of your choice or copy of your current Homeowners Insurance policy.

Refinanced Mortgages

  1. Name of Mortgage Lender with loan account number and phone number for Loan Servicing Department.

In addition to the listed items to the left, the following will also be needed for Construction/Home Improvement loans:

  1. Contractor’s name, address, and telephone number.
  2. Building plans and specifications.
  3. A list of subcontractors and suppliers.
Please be advised that your Contractor is required to be registered with the Texas Residential Construction Commission for any type of construction project over $10,000.00.