Services

Unity Mortgage staff are licensed to lend in Minnesota, North Dakota and South Dakota. Our mortgage lending team is centrally located in Fargo, ND with local, in-house processing and underwriting. Whether its new construction, renovation or conventional, we will provide options for your borrowers, so they can make an informed decision. 

Unity Mortgage has the knowledge and resources to offer multiple home lending programs including:

  • Conventional
    Provides financing up to 97% of the sales price for primary residences.  Can be used for primary, second and investment homes.  Allows for mortgage insurance to be off or dropped off the loan at 80% LTV.
  • FHA
    Provides financing up to 96.5% of the sales price for primary residences.  Can be used for primary residences only.  Gives flexibility for lower credit scores and higher debt to income calculations.
  • VA
    ​​Provides financing up to 100% of the sales price upon verifying member has qualified for this benefit based on their military service.  Gives the most buying power to the member for higher financed loan since there is no monthly mortgage insurance in the payment.
  • USDA/Rural Housing
    Provides financing up to 100% for homes located in a rural setting that are primary homes.  It is a program that is available to everyone whose income falls within the programs guidelines.
  • First-time Homebuyer
    Additional options that can be included with one of the four programs listed above to provide down payment and/or closing cost assistance to mitigate a borrower’s total out of pocket monies needed for the financing.