Allison Davis at United Bank Mortgage

05/23/2026

05/17/2026

Go see Megan and the team today !!!!

05/11/2026

Blessed to be in a position to help change lives. A huge thank you to our referral partners and clients.

05/07/2026

We love happy clients. These folks were able to snag a USDA loan at 0 down payment, builder paid closing costs AND a grant for $15000. BOOM! Equal housing lender.

05/01/2026

Temporary leave from a job has historically caused issues for some borrowers trying to buy a new home. Recent rule changes have clarified this guidance to help more borrowers buy a home during temporary leave, such as maternity or medical leave. Essentially, the lender assesses whether the borrower will return to work before the first payment date. If not, then the lender still has options to qualify the borrower based on temporary leave pay and assets or reserves. If you are currently on temporary leave or planning on a leave in the future, let’s discuss your options.

04/28/2026

One of the most complex topics in home loan lending is how rental income can be used to qualify for a loan. This complexity is driven by the type of rental income, property type, length of history, tax returns, and other factors. If you have rental income or are considering keeping your current home to rent out when you buy a new home, let’s talk. I’ll outline exactly how lenders evaluate your rental income, so you have no surprises!

04/27/2026

When buying a home, lenders prefer steady, predictable income. But many of my clients experience job gaps, variable income, and job changes. If any of those situations have kept you from buying a home, don’t be discouraged! Home finance lenders are used to dealing with income that doesn’t fit into the “perfect income box”. Let’s talk, and I’ll walk you through how a lender is likely to evaluate the income used to qualify you for a home loan and the documentation you may need to gather.

04/22/2026

Gentle reminder as to what states we lend in. This is a question I am asked weekly these days. United Bank Mortgage has a large footprint.


WV, VA, MD, DC, NC, SC, GA, DE, OH, KY, PA, AL, TN, FL

03/20/2026

Did your lender offer you an ARM in addition to a fixed rate option?

If not.... there is probably a reason. Simply put, your lender doesn't have that option.

1. Homebuyers save $150 a month by choosing an adjustable-rate mortgage
The typical homebuyer could save $150 per month by choosing an adjustable-rate mortgage (ARM) instead of a 30-year fixed-rate mortgage. That’s a 5.8% discount, the largest ARM savings in both dollars and percentage terms since June 2022, according to a Redfin analysis of Mortgage News Daily rates.
In March so far, the average ARM borrower took on a 5.51% rate, compared with 6.19% for the average fixed-rate borrower, a 0.68 percentage-point gap, the widest since June 2022.

Source: Redfin

ARMS
1. are not scary... at United Bank, ARMS are not balloons
2. offer savings monthly while you wait to refinance
3. rates can go UP or DOWN at the end of the initial fixed period
4. fixed periods are 5-7-10 years
5. ARMs do not have crazy buy down costs and fees

ARMS are great options for Primary, secondary (vacation homes) and investment properties.

The Davis Team at United Bank has all of your ARM options.

Terry Gruner, United Bank, Mortgage Loan Officer, NMLS 806922
Megan Quick Trible at United Bank Mortgage