Mortgages


Far from ordinary. Close to home.

In an industry with so many banks and mortgage companies located out of state, you can take comfort knowing that Union Bank is right here in your community. We pride ourselves on local decision making and fast turnaround, and our staff will service your loan until it matures or is paid in full.

Once you are ready to apply, we will provide you with the proper application for the product you request along with a checklist and outline of our process so that you’ll know what to expect along the way. We can also work with you before you shop for a new home or consider building through our pre-qualification process so you’ll understand what type of home you can afford. We’re here to answer your questions and walk you through every step; including selecting the right mortgage program for your needs.

Union Bank – Your life. Your bank.


  • For new purchase or refinance of your existing mortgage
  • Various terms including 10, 15, 20 and 30 years at fixed rates
  • No pre-payment penalties
  • Bi-weekly payments available on some programs
  • Finance up to 80% of the current appraised value
  • Must be principal residence
  • No pre-payment penalties
  • Various terms and payment plans available
  • Borrower pays interest only on outstanding balance during construction
  • Construction phase up to nine months
  • Unlimited draws with no fees per draw
  • At project completion, loan rolls into a conventional mortgage with no additional closing fees with the exception of final appraisal (average appraisal cost is $400)
  • Various terms up to 15 years
  • Finance up to 70% of current appraised value or purchase price (whichever is less)
  • No pre-payment penalties
  • Bi-weekly payment programs available

Mortgage rates change daily and are dependent on the program you select as well as other criteria including your credit score. Please contact us for current rates and to discuss your individual needs. Call our Mortgage Company at 616.374.3278, contact your local office or email us at customerservice@ubmich.com.


Home Advantage

All mortgage customers of Union Bank receive the following benefits:

  • No fee savings account if you have your mortgage payment automatically deducted
  • No closing fees on a home equity line of credit done at the time of your mortgage closing
  • Discounts on installment loans
All loans subject to credit approval and all other loan terms and requirements apply including appraisal. Typical closing costs on a new mortgage or refinance average $2,000 and include an application fee, appraisal, title insurance, recording fees and credit report.*

* Home owners insurance required.

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