800.618.BANK (2265) Locations News Careers Investor Relations Contact PERSONAL BUSINESS RATES RESOURCES LOGIN SEARCH Residential Mortgages Home / Personal / Lending / Residential Mortgages In addition to extraordinary service, we offer a full array of residential mortgage products with competitive rates and very low fees. MORTGAGE PREQUALIFICATION Call us at 800-618-2265 and we will take your application over the phone, or complete our contact form here Questions? Contact a Unity Bank mortgage representative to learn more. Contact Us Here Our product line includes conforming loan products as well as portfolio loans. Our portfolio loans are based on old fashion common sense lending and are designed to offer financing to good borrowers that don't fit in "The Box". See Our Loan Programs Here Existing Customer? Click here for our residential mortgage Loan Care servicing center and to make online payments. Helpful Tips Organize Your Documents - Save time and avoid delays by having this information available when you meet with your lender: Copy of Purchase Sales contract or Offer to Purchase and all addenda (signed by buyer and seller) Past 2 years' tax returns and W-2s Past 2 years' employment history Last 3 consecutive paycheck stubs (5 if paid weekly) Name, address and phone for past 2 years' residence(s) and landlord(s). Renters should bring evidence of 12 months' rent payments. Last 3 months' statements for savings, checking, CD, money market accounts, etc. Recent statement on retirement accounts (IRA, 401K, 403-B, Annuity, etc.) Monthly payments and balances on all open accounts Divorce decree (if applicable) Bankruptcy schedules/Discharge papers (if applicable) If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa. Mortgage Rates Account Title Rate Points APR* For every $1,000 borrowed, payment of principal & interest = Conforming 15 Year Fixed 2.500% 0 2.572% $6.70 Conforming 30 Year Fixed 3.250% 0 3.290% $4.37 15 Year Fixed Super/Conforming 3.250% 0 3.283% $7.04 30 Year Fixed Super/Conforming 3.250% 0 3.268% $4.36 Rates effective as of 11/22/2021 2:50:49 PM * Annual Percentage Rate Rate and terms are subject to change. This is not an offer to extend credit and is for informational purposes only. APR is based on a $250,000 loan amount or a $550,000 loan amount for Super Conforming and Jumbo. APR for FHA includes upfront and monthly mortgage insurance premiums. Conforming rates are based on a purchase transaction, 30% equity,740 or better credit score and a single family owner occupied residence. Adjustable Rate mortgages are calculated based upon a 30 year amortization. Rates, terms, and conditions are subject to change without notice. Rates on this page will not be honored at any time after a rate change. Applying for a Mortgage is easy! Call us at 800-618-BANK (2265) and we will take your application over the phone, or complete our Mortgage Short Inquiry Form. Short Inquiry Form Navigation Credit Cards Home Equity & Personal Loans Residential Mortgages Additional Pages Calculators Loan Programs Meet The Team Short Inquiry Form Mortgage Question Print this page Personal Banking Checking Accounts Savings Accounts Lending Residential Mortgages Home Equity & Personal Loans Credit Cards Services Online & Mobile UChoose Rewards Business Banking Business Checking Accounts Business Savings Accounts Business Lending Business Loans Business Credit Cards Business Services Escrow Account Services Merchant Services Online Services Business Banking Brochure Rates Checking Rates Savings Rates CD Rates Mortgage Rates Consumer Loan Rates Customer Resource Center Applications & Forms Calculators Check Reorder Coin Counter Foreign Currency Notary Public Safe Deposit Boxes Payment Center Residential Loan Payments US Savings Bonds Informational Videos Convenience Services Property Sales Properties About Unity Bank News Locations & Hours Our Story Community Involvement Careers Investor Relations Contact Us Privacy Policy Routing Number: 021210057 Contact Us: 800.618.2265 Facebook YouTube LinkedIn Consumer Alerts Security & Policies Unity Bank - Member FDIC - Equal Housing Lender NMLS#617337 Copyright © 2021 - All rights reserved.