Single Family Home Loans

OneUnited Bank is dedicated to providing our customers with the most information possible to make educated decisions. Buying a home or refinancing a present single family home loan is an important decision that will impact your present and future. Therefore, we have included resources, current rates and calculators to help you make the correct decision on which program is right for you. You can apply to one of our 15 or 30 year programs here. We have helped countless families in Boston, Los Angeles and Miami by providing single family mortgages to purchase or refinance the home of their dreams, and we look forward to working with you. For more information about our programs and finance options, please scroll down below.

Fixed Rates Mortgages


4.000 %
Interest Rate
4.141 %
Annual Percentage Rate
3.125 %
Interest Rate
3.369 %
Annual Percentage Rate

HARP : Affordable Refinancing


Great news - The Administration's Making Home Affordable® Program including the Home Affordable Refinance Program (HARP) has been expanded!

If you have a FANNIE MAE® loan**, you may be able to:

  • Lower your monthly payment
  • Lower your interest rate
  • Decrease your loan term and pay off your mortgage sooner



**You can determine whether your mortgage is owned by FANNIE MAE® by entering your address in this website: http://fanniemae.com/loanlookup/
Qualifications for HARP apply. See HARP FAQs or contact a representative at OneUnited Bank for more details.
Making Home Affordable is a trademark of the United States Department of the Treasury.

Community Land Trust Home Loan

Community Land Trust Home Loan Initiative!
(A Community Land Trust Home Loan Initiative)
Yes! Please have someone contact me to about your UNITY Community Land Trust Home Loan Program.
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What: A community based initiative to change lives and help build wealth by offering affordable home loans for Community Land Trust (CLT) homes. The UNITY Community Land Trust Home Loan Programs offers great low interest rates, 15 or 30 year terms, no prepayment penalties, low down payments for refinancings and purchases.
Where: Owner occupied single family residences or condos that are part of a Community Land Trust Program in in. Los Angeles County, Miami Dade County and Suffolk County.
When: Beginning September 1, 2016
How: You can apply online or visit one of our branches located here
Why: OneUnited Bank is committed to heighten the role of putting an end to all forms of negative discrimination including the "Not In Our Backyard" sentiment and creating equal opportunities for harmonious, thriving neighborhoods.

For more information, download our press release here.

Yes In Our Backyard

Yes!
In Our Backyard!
(A Miami-Dade County Initiative)
Yes! Please have someone contact me to begin my journey to purchase a new home or refinance my mortgage.
OneUnited Bank Miami Mural Project
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What: A community based initiative to change lives and help build wealth by offering affordable home loans, especially to first-time homebuyers
Where: OneUnited Bank's "backyard". The 79th Street corridor neighborhoods covering NW 62nd to NW 95th St. and NW 7th Ave to NW 37th Ave…and all of Miami-Dade County
When: Beginning September 1, 2015 for 12 months or the fulfilment of our commitment
How: OneUnited Bank's $1 million commitment will provide:
  • Up to 10 first mortgage home loans under the UNITY Home Loan Program to first-time homebuyers with a household income at or below 80% AMI or in census tracts at or below 80% AMI.
  • Partner with organizations to provide HUD certified financial education
  • Other benefits (see flyer)
Why: OneUnited Bank is committed to heighten the role of putting an end to all forms of negative discrimination including the "Not In Our Backyard" sentiment and creating equal opportunities for harmonious, thriving neighborhoods in Miami Dade County.

For more information, download our letter and flyer here.