Union Bank and Trust Company 3

NMLS#

530584

About

Union Bank and Trust Company 3

This is the about section for Union Bank and Trust Company:

"Kelly Novotny, Vice President and Home Loan Officer at Union Bank and Trust Company, takes pride in providing exceptional service as one of Lincoln's best mortgage lenders. With over 24 years of experience, Kelly ensures that the lending process is smooth and enjoyable for customers. The customer-focused approach and personal relationships play a vital role in finding the loan program that best suits each individual's wants and needs. Committed to superior service, Kelly and her team offer free prequalifications, responsive communication, and competitive rates in various loan programs. Union Bank and Trust Company, along with Kelly's expertise, make buying a home a fun and enjoyable experience. Kelly Novotny has been recognized as a top mortgage lender in Nebraska for 15 years and has received positive feedback from satisfied customers. Additionally, Union Bank and Trust Company operates multiple locations and offers a range of financial services to serve its customers."

Loan programs at

Union Bank and Trust Company 3

- Fixed-Rate Mortgage: This loan program offers a fixed interest rate for the entire loan term, providing stability and predictable monthly payments.

- Adjustable-Rate Mortgage: With this program, the interest rate can adjust periodically based on market conditions, potentially leading to lower initial rates or future adjustments.

- FHA Loans: Union Bank and Trust Company offers loans insured by the Federal Housing Administration, which may be suitable for first-time homebuyers or individuals with lower credit scores.

- VA Loans: This program is designed for active-duty military members, veterans, and their spouses, offering favorable terms and benefits.

- USDA Loans: Union Bank provides loans backed by the U.S. Department of Agriculture, primarily aimed at assisting borrowers in rural and suburban areas.

- Jumbo Loans: These loans are available for higher-priced properties that exceed conforming loan limits, allowing borrowers to finance larger amounts.

- Construction Loans: Union Bank offers financing options specifically tailored for those building a new home or undertaking major renovations.

- Refinance Loans: Homeowners can take advantage of refinance options provided by the bank to potentially lower their interest rates or shorten their loan terms.

- Home Equity Loans: This program allows homeowners to borrow against the equity in their property for various needs, such as home improvements or debt consolidation.

- Reverse Mortgages: Union Bank offers reverse mortgages for eligible senior homeowners who want to convert part of their home equity into tax-free income or a line of credit.