You've worked hard to increase your home's value. You can put that value to work with a home equity loan or a Prime Equity Line® of Credit. Home equity products typically offer lower interest rates than many loan programs, and, just like your mortgage, the interest you pay may be 100% tax deductible (consult a tax advisor concerning interest deductibility).

Through a United Mortgage home equity loan or Prime Equity Line, you can use the equity in your home for:

• Debt Consolidation
• Home Improvement or Major Purchase
• Refinancing and Cash Out

Many banks offer home equity products, but what sets United Mortgage apart is our ability to simplify and potentially shorten the process, while offering you informed and objective advice about your options.

A Four-Step Process

1. Calculate the loan amount
   • Loan Amount Estimator—Determine how much you can borrow, by estimating how much equity you have in your home.
   • Loan Payment Calculator—Figure out your monthly payments based on the amount you wish to borrow.
2. Select the type of home equity product.
   There are two different types of home equity products, depending on your needs. With a loan, you get the loan balance up front, while a Prime Equity Line is drawn upon as needed.
   • Home Equity Loans—Secures a specific dollar amount based on the equity in your home.
3. Learn more
   • The Home Equity Process—Go step by step through the United Mortgage home equity loan process
4. Apply
   You can apply and, in some cases, receive approval for a home equity product in minutes, in the way that is most convenient for you:
   • Apply by phone—Our experienced loan counselors can accept your application by telephone.
   • Apply in person—You may always apply in person at one of our Financial Centers.