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When considering purchasing a new home, refinancing or building, look no further than Union Bank. Our mortgage professionals will assist you in selecting the best mortgage program for your specific needs. If you're a first-time home buyer, a veteran or live in a rural area, we offer various government programs with no or low down-payments, fixed long-term rates and other favorable terms to help make your dream of home ownership a reality.


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Just starting to shop for a new home or already have a mortgage? Give us a call for a free consultation before you shop or just to do a mortgage checkup. You’ll appreciate knowing what you can afford before you start to look at homes or knowing that your current mortgage is serving your best interest.

Click here for information on how to buy your first home.

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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

Conventional Mortgages



A conventional mortgage offers competitive rates and terms to borrowers with strong credit and a down payment.

  • Purchase, construction or refinance of an existing mortgage
  • Various terms available
  • No pre-payment penalties
  • Bi-weekly payments available on some programs
  • Finance up to 95% on purchase


  • 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)


First Time Home Buyers


Vacant Land

  • Must be principle residence
  • No pre-payment penalties
  • Various terms and payment plans available


  • Various terms available
  • Finance up to 70% of current appraised value or purchase price (whichever is less)
  • No pre-payment penalties
  • Bi-weekly payment programs available

Federal Housing Administration FHA


Guaranteed Rural Housing Program USDA

FHA mortgage loans are insured by the Federal Housing Administration. By insuring the loan, your local community bank assumes less risk and can offer customers lower rates and more simplified terms.

  • More eligible property types
  • No property location restriction
  • Now household income limit
  • Low down payment
  • Gift funds allowed for entire down payment, closing costs and prepaid items
  • Low rates and monthly payments
  • Flexible credit standards
  • Special qualifying features
  Rural Housing mortgage loans are underwritten by Union Bank and guaranteed by the U.S. Department of Agriculture to support home ownership in rural areas. Most homes in Union Bank's service area are eligible for this program.
  • Various terms available
  • Low rates and monthly payments
  • No down payment required
  • Flexible credit standards
  • Closing costs and other expenses may be financed in some cases
  • Not limited to first-time home owners
  • Property must be located in an eligible area
  • Income limits apply

Veterans Administration VA

U.S. Department of Veterans Affairs mortgage loans are available only to veterans and military families as a special benefit to those who have served our country.

  • Fixed- or variable-rate products
  • Various terms available
  • No money down and up to 100% financing per VA county limit
  • Flexible credit standards
  • Not limited to first-time home owners
  • Refinance a current VA loan


Apply Now


Need Help With Your Current Mortgage?

Do you need to refinance, modify your mortgage or avoid foreclosure? Know your options by checking first.

This tool helps you quickly determine if Fannie Mae owns your loan. If so, you may be eligible for programs designed to make your mortgage more affordable such as the Home Affordable Refinance Program (HARP) or the Home Affordable Modification Program (HAMP) or for other programs exclusively for Fannie Mae borrowers.

Enter your information at the site below. Be sure you enter all data accurately -- any data entry error may impact the matching process. Be sure to check the box to provide consent then click GET RESULTS.

Get started here.

There are also resources available through the State of Michigan's Helping Michigan's Hardest-Hit Homeowners.

Through A Step Forward, Michigan State Housing Development Authority designed forgivable loan programs to help homeowners who have had a financial hardship that include:

  • Mortgage payment assistance for homeowners currently receiving unemployment compensation

  • Rescue funds for homeowners who have fallen behind in their mortgage payments due to no fault of their own and who have overcome this obstacle

  • Federal matching funds for principal reductions for homeowners who can no longer afford their mortgage payments as a result of reduced income

Learn more about State programs here.

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NMLS Registry Information for Union Bank Mortgage Loan Originators

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.

DISCLAIMER: All programs are available only to qualified borrowers. Underwriting terms and conditions apply. Programs are subject to change without notice. Due to various federal, state and local requirements, certain products may not be available in all areas. Conventional loans with a down payment less than 20% require mortgage insurance, which could increase the monthly payment and Annual Percentage Rate (APR). Union Bank NMLS# 488568

Effective Date November 1, 2012