Community Heroes

The UNMB Home Loans Inc. Community Heroes program is a special thank you to the heroes that serve our community. Eligible applicants include Teachers, current and retired military, firefighters, EMT’s, law enforcement, teachers, nurses and others.

Community Heroes Program

Offers benefits that can include reduced rates and fees (reduced or no origination, underwriting, processing and commitment fees).

Occupations that may qualify for this program can include current and retired military, firefighters, EMT’s, law enforcement, teachers, nurses and others.

Doctor Program

This innovative program can allow for financing of up to 95% for a single-family home or condominium purchase as a primary residence by a medical resident, MD, DO, DDS, OD, & DPM borrower. Consideration is given for factors including: student loan debt, future income and downpayment sourcing. Gift funds are allowed 

  • – 95% financing for up to $625,500 loan amount with 680 minimum FICO score
  • 90% financing for up to $938,250 loan amount with 720 minimum FICO score
  • Fixed & Adjustable (Libor 7/1 or 10/1) options available
Learn More
H4P for Heroes

This program provides financial options for the purchase of a primary residence for qualified borrowers 62 years of age or older who are active or retired from certain community service occupations including retired military, teachers, nurses and law enforcement. By utilizing the FHA reverse mortgage program, eligible borrowers can have a mortgage with no principle or interest payments required.*

For those that qualify, you may access the equity in your existing home to purchase a new primary residence that better suits your needs.

* Borrower responsible for taxes, Insurance and HOA dues.


  • No FICO requirements
  • No underwriting, processing or commitment fees
  • Minimum income qualifications
  • No monthly mortgage payment
Learn More

United Northern Mortgage Bankers Ltd. is proud to have achieved VA Automatic Approval status. Veterans can now rely directly on us for VA loans, instead of waiting for approval from the U.S. Dept. of Veteran Affairs. The reduced turnaround time allows our bank more flexibility and a better customer experience.

VA Program

Home loan financing designed to help qualified home buyers who are veterans, active-duty personnel, certain members of the National Guard and Reserves and eligible family members with the purchase of a new primary residence. This program has many popular features including; no penalty for paying off your VA home loan early!

100% financing

No application, underwriting, processing or commitment fees

Lower interest rates and closing costs than conventional loans

Mortgage insurance is not required

We have a full range of mortgage
solutions to fit your needs

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