Residential Real Estate

Convenient financing is available for the following
- Primary residence purchases and refinancing
- Investment property purchases and refinancing
- Land only purchases and refinancing
- Vacation or second home purchases and refinancing
- Manufactured home with land purchases and refinancing
- Bridge loans
In-House competitive adjustable rate loans
- 1/1 ARM
- 3/1 ARM
- 5/1 ARM
- 7/1 ARM
Low closing costs
Customizable lending options
No prepayment penalties
Personal service from our knowledgeable lending staff
Local Decisions
Optional Mortgage Life Insurance Available (Subject to Approval)
Free Online Banking to view balances and make payments

Unico Bank offers competitive rates and terms on purchasing your first home or refinancing an existing mortgage. We specialize in primary residential lending.

Home Loan Toolkit

Home Equity Line of Credit

Use your home’s equity to fund your needs
- Roof repairs
- Remodeling a bathroom
- Installing a swimming pool
- Adding a detached garage
- Adding an addition
- Updating kitchen cabinets
- Updating flooring
- Landscaping
- Unexpected expenses
- Debt Consolidation
In-House competitive rates and terms
Low closing costs
Only pay interest on what you use
Funds available in-person or by check
Re-use as needed without re-applying
No prepayment penalties
Personal service from our knowledgeable lending staff
Local Decisions
Free Online Banking to view balances and make payments

Residential Construction Loans

Convenient construction financing is available for the following
- New Primary Residence
- Secondary or Vacation Home
- Rental Property
- Rehab/Flip 1–4 Family Residence
- Subdivision Development
- Spec Homes
- Apartments
- Duplexes
In-House competitive interest rates and terms
Customizable lending options
Only pay interest on what you use
No prepayment penalties
Personal service from our knowledgeable lending staff
Local Decisions
Construction to permanent financing options available
Free Online Banking to view balances and make payments