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Home Loans and Mortgages

Whether you’re purchasing a new home or refinancing an existing mortgage, we will help you find the right solution!

A mortgage should fit your unique lifestyle. At Union Bank®, our knowledgeable Mortgage Consultants can assist you in determining the loan that’s right for you. Whether you’re looking for your first home, trading up, or refinancing an existing mortgage, our experienced Mortgage Consultants will be there each step of the way.

Mortgages: where to start

When you’re thinking of buying a home or refinancing a residential mortgage, there are some things to keep in mind. Before meeting with a Mortgage Consultant, be prepared to discuss and verify the following:
  • Your income
  • Cash available for a down payment
  • Current debt (including student loans, credit card payments, etc.)
  • Your credit score
  • Your loan objectives

Which mortgage is right for you?

Just like the home itself, there’s no one-size-fits-all solution when it comes to home loans. We help both experienced and first-time homebuyers navigate the process of understanding and selecting the best home mortgage options for them. Loans and services you may be eligible for include:
  • Several home loan choices including fixed-rate loans, adjustable-rate loans with initial fixed-rate payment periods, conforming loans, and jumbo loans
  • Programs designed for low- to moderate-income borrowers including our FHA###DISCLAIMER:2_0 FHA Loans###, Economic Opportunity Mortgage®###DISCLAIMER:2_0 EOM Long 2 - MyCommunityMortgage###, and HomeReady®###DISCLAIMER:2_0 Important Information HomeReady### loans
  • VA loans for Veterans and active service members
  • Competitive rates and payment terms
  • Personalized service

Benefits of refinancing your current home loan:

  • Secure a lower interest rate than your current mortgage
  • Reduce your monthly payment
  • Get cash out at closing by borrowing against the equity in your home
  • Use the money to fund home improvements, make a major purchase, or finance your child's education (consult your tax advisor for any tax benefits)
Use our Refinance Savings Calculator to determine how much interest you can save when you refinance your current mortgage.

Call us today to schedule a mortgage consultation or to apply.

Mortgage Calculator and Rate Comparison
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What to Expect

Learn how the home loan process works.

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Mortgage Direct

Monday–Friday: 8:00 a.m. to 6:00 p.m.
Saturday: 9:00 a.m. to 1:00 p.m
(PT, excluding holidays)
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Union Bank Mortgage Consultants are committed to making your home ownership dreams and refinancing needs a reality.
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