Benefits of Refinancing | Make your payments work better for you

Lower monthly payments

Whether you want to switch from an adjustable rate to a fixed rate, or just looking to increase your cash flow, refinancing may get you a lower interest rate so you can save money each month.

Pay off Loan Faster

Changing to a shorter term means you pay off your home sooner and lower the total amount of interest you're paying on it.

Take cash out.

If there's equity in your home, taking cash out adds to your mortgage but provides the option to consolidate debt, make home improvements or pay off other expenses.

Our Wide Range of Loan Approvals

U&I PB offers timely approvals, wide range of mortgage options at highly competitive rates, and experienced mortgage team to help you find the best home financing solution for you. New to the home buying and selling process? Our HomeAdvantage™ program can help you through it.

  • U&I PB
  • Why U&I PB | We do what it takes to live up to our name

    You're counting on us to help with your financial situation, that's why we do everything we can to make you feel comfortable and confident along the way. It's just the right thing to do.

    Competitive rates

    You don't have to go far to find the right loan. With consistently competitive rates and options tailored to fit your financial situation, we make it our goal to help you achieve yours.

    Online access

    We give you the option to keep track of all your loan-related documents online, from any device. Convenient and secure, you'll always know what we need, what’s already done and where your application stands.

    Dedicated support

    we provide you with a knowledgeable team of loan experts to help you through the home loan experience, from application to close.

    Frequent updates

    we check in with you regularly to answer any questions you may have along the way and ensure you meet your closing date.

    Communication options

    you choose how you'd like to be contacted: by phone or email.

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    35 Years of
    Experience in Financial & Business Services

    Send us an email and we’ll get in touch shortly, or phone between 9:00 and 8.00Monday to Friday — we would be delighted to speak.

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    What we're showing you

    Our Annual Percentage Yields (APYs) are accurate as of 07/20/2019. Keep in mind, these rates are variable and may change after the account is opened. Fees may reduce earnings.


    U&I PB | It's good to be different

    We're an online bank, which means we don’t have physical bank locations. By eliminating the costs associated with traditional brick-and-mortar banks, we can offer great rates and outstanding customer care.

    2019 Approved Loans


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    What People Say

    Henderson Greek Loan Applicant

    Quick Approval

    My loan got approved in few days after applying and checking my credit rate. FSD Cap[itals] made it easy for me with the right rates

    Sandra Walker

    Mortgage Loan

    When i applied for my mortgage Loan i wasn't confident that i could get the loan but today i can say that i have my new home and my mortgage paid without stress

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    U&I PB | Banking, Credit, Mortgage, Loans..