Check out our current mortgage rates

At United Fidelity Bank, our goal is to help make the entire mortgage process a less intimidating and more satisfying experience for everyone--customers, builders and real estate agents.  We know that buying or building a home is an investment that deserves expert financial advice.

Please contact a United Bank Loan Officer for an appointment to discuss your specific needs or call us at  (812)-424-0921 or 1-800-280-8280.

 

 
15 YR FIXED CONFORMING
20 YR FIXED CONFORMING
30 YR FIXED CONFORMING
HOME POSSIBLE MORTGAGEĀ®
5/1 ARM CONFORMING
7/1 ARM CONFORMING
30 YR JUMBO FIXED
5/1 JUMBO ARM
10/1 JUMBO ARM
SWING LOAN

Rates last updated on Thursday, April 27, 2017

15 YR FIXED CONFORMING

This loan will amortize over a period of 15 years (180 months) at a 'fixed', or level, payment of principal and interest for the life of the loan.

Term: 15 years   Maximum Amount: $424,100
RatesAPRPoints
3.125%3.463%1%
3.375%3.567%0%
 

20 YR FIXED CONFORMING

This loan will amortize over a period of 20 years (240 months) at a 'fixed', or level, payment of principal and interest for the life of the loan.

 

Term: 20 years   Maximum Amount: $424,100
RatesAPRPoints
3.625%3.891%1%
3.875%4.026%0%
 

30 YR FIXED CONFORMING

This loan will amortize over a period of 30 years (360 months) at a 'fixed', or level, payment of principal and interest for the life of the loan.

Term: 30 years   Maximum Amount: $424,100
RatesAPRPoints
4.125%4.321%1%
4.25%4.361%0%
 

HOME POSSIBLE MORTGAGEĀ®

Home Possible loans offer first-time home buyers, buyers with limited credit history, and buyers with lower incomes the ability to own their own homes.

Home Possible loans offer home buyers the following benefits:

  • Low down payment
  • Alternate credit histories acceptable
  • Down payment can be combined with gifts or grants




 

Term: 30 years   Maximum Amount: $424,100
RatesAPRPoints
4.25%4.447%1%
4.375%4.487%0%
 

 


5/1 ARM CONFORMING

This loan will amortize over a period of up to 30 years (360 months). The first 5 years (60 months) have a payment that is 'fixed', or level. Annually thereafter, the principal and interest payments adjust based on a preselected index plus a margin with rate cap adjustments.

 

Term: 30 years   Maximum Amount: $424,100
RatesAPRPoints
3.25%3.517%1%
3.625%3.569%0%
 

7/1 ARM CONFORMING

This loan will amortize over a period of up to 30 years (360 months) The first seven years (84 months) have a payment that is 'fixed', or level.  Annually thereafter, the principal and interest payments adjust based on a preselected index plus a margin with rate cap adjustments.

Term: 30 years   Maximum Amount: $424,100
RatesAPRPoints
3.375%3.562%1%
3.75%3.657%0%
 

30 YR JUMBO FIXED

This loan will amortize over a period of 30 years (360 months) at a 'fixed', or level, payment of principal and interest for the life of the loan.

Term: 30 years   Maximum Amount: $2,000,000
RatesAPRPoints
4.875%4.902%0%
 

5/1 JUMBO ARM

This loan will amortize over a period of up to 30 years (360 months). The first 5 years (60 months) have a payment that is 'fixed', or level. Annually thereafter, the principal and interest payments adjust based on a preselected index plus a margin with rate cap adjustments.

Term: 30 years   Maximum Amount: $2,000,000
RatesAPRPoints
4%3.621%0%
 

10/1 JUMBO ARM

This loan will amortize over a period of up to 30 years (360 months). The first  10 years (120 months) have a payment that is 'fixed', or level. Annually thereafter, the principal and interest payments adjust based on a preselected index plus a margin with rate cap adjustments.

Term: 30 years   Maximum Amount: $2,000,000
RatesAPRPoints
4.25%3.943%0%
 

SWING LOAN
Term: 9 months   Maximum Amount: $200,000
RatesAPRPoints
6%9.208%0%
 


Rates are subject to other terms, conditions and are subject to change without notice.  All rates assume a 45 day lock period and escrow for taxes and insurance.  The APR for Conforming Loans are calculated on a $120,000 loan amount with down payment of 20%, applicable loan origination fee; discount points and no prepaid interest collected.  APR’s for individual loans may vary.  A down payment of less than 20% could require private mortgage insurance, which could increase the Annual Percentage Rate (APR).  For adjustable-rate mortgages, rates are subject to increase after the initial fixed rate period.  A 30-year loan term applies to all adjustable-rate mortgages.  The APR for Jumbo Loans (maximum loan amount must exceed $424,100) are calculated on a $500,000 loan amount with down payment of 20%, applicable loan origination fee; discount points and no prepaid interest collected.  APR's for individual loans may vary.