Gary Carbaugh

Superior Service
Seeing that our customers receive excellent customer service is very important to us. We will provide quality service in a timely manner along with the best product at a competitive price. You will find that our attention to detail and efficiency will make the financing seamless. Building lasting relationships is what it is all about here at Union Bank & Trust.

Working as a Team
Helping you understand and feel comfortable with the construction process is our Team's Focus. Our goal is for you to be able to talk to a real person. Building your dream home should be easy and we are here to help you from the start to finish.

Competitive Products
You will find that here at Union Bank & Trust we are competitive with in the market with pricing. We have the new Construction to Perm product that is a FINANCIAL HEDGE during the construction period against rising interest rates. We also offer an extended lock period that allows you to lock in a rate within 180 days of completion.

Construction Financing for Individuals and General Contractors
Union Bank has made a solid commitment to construction lending in Lincoln and surrounding areas in Nebraska. Gary will work with you and your builder to provide the financing needed for your home. If you're in the building industry, he also specializes in general contractor financing.

Experienced in Construction
and Investment Property Lending
Finding the right loan for your needs is important. Gary relies on his experience to ensure the proper financing tool is used for your home. Gary's expertise in analyzing construction project plans and budgets will enable you to have greater flexibility throughout the building process.