Home Loans

Unlock at Least $1,500 in Savings!

Looking to buy a home or refinance your current mortgage? Look no further. Save at least $1,500 on closing cost!*

Start your home loan journey. Apply today!

Easy Online Application, 1-2-3!

Considering A Home Loan? Choose A Lender That Truly Cares!

By refinancing or purchasing your home with OneUnited Bank, you can have confidence in your decision. Our Loan Consultants in each of our branches will work with you – confidentially and one-on-one – to guide you through the home loan process. We offer great rates, access to first time homebuyer programs, resources and calculators to help with your decision.

For more information about our programs, see below. You can also apply online right now by clicking here.

30 Year Fixed Rate

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15 Year Fixed Rate

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10 Year Fixed Rate

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_{The rates above assume 20% down payment and a credit score of 780+. Other loan options are available. The actual interest rate and fees available to you may be different from the rates above and will be based on your credit history and specific loan requirements. For more details, contact a OneUnited Bank Loan Consultant or complete an application HERE.}

Ready to purchase or refinance?

Check out our 30 or 15 year programs today!

We offer home loans in Massachusetts (Suffolk, Middlesex and Norfolk Counties), California (Los Angeles, Orange and Ventura Counties) and Florida (Miami-Dade County) as well as Resources to find the best solution for your needs.

Financial Education Center

Visit the Financial Education Center

_{*Terms and Conditions: $1,500 Includes appraisal, credit report and other lender fees. This promotion is for applications received to purchase or refinance a single family property (1-4 units), including investment property, in OneUnited Bank’s lending areas in California, Florida, and Massachusetts. Loan and credit qualifications apply. OneUnited Bank reserves the right to cancel this promotion at any time. Speak with a OneUnited Bank Home Loan Consultant for details.}

It takes 5-minutes to start elevating your finances

See exactly where you’re spending money, how you’re achieving and how you can improve.

Home Loans

Unlock at Least $1,500 in Savings!

Considering A Home Loan? Choose A Lender That Truly Cares!

First-Time Homebuyers

Community Land Trust Home Loan

Ready to purchase or refinance?

Financial Education Center

Home Ownership Course

Mortgage Course

Owning a Home Playlist

It takes 5-minutes to start elevating your finances