Since 1934, Union Bank has proudly served West and Central Michigan as a local, independent community bank. Backed by nearly a century of banking experience, we provide competitive mortgage rates, local decision-making and personalized service to help individuals and families find the right home financing solution for their needs.
You've Been Waiting. Now's the Time.
We understand the importance of a fast and efficient turnaround. When you choose Union Bank to finance your mortgage, you'll benefit from local decision-making, responsive service, free conditional pre-approvals and competitive rates.
Whether you're buying your first home, building a new home or updating your current one, our Mortgage Bankers will help you find a financing solution that fits your needs. We also offer government-backed loan programs for eligible first-time homebuyers, veterans and rural homebuyers, including options with low or no down payment requirements and other favorable terms.
Click here to view our mortgage offerings in PDF format. (Opens in a new window)
If you're ready to explore your options, apply below or contact us to speak with a Union Bank Mortgage Banker.
Current Mortgage Rates in Michigan
Union Bank offers a variety of mortgage loan options for homebuyers and homeowners throughout West and Central Michigan. Whether you're purchasing, building or refinancing, our experienced Mortgage Bankers will help you understand your options and find a financing solution that fits your needs.
Conventional Mortgage
Conventional loans offer competitive rates and flexible terms without government backing, making them a great option for qualified borrowers.
Construction Loans
Union Bank can finance your project from start to finish with a construction loan, turning your vision into reality.
Adjustable-Rate Mortgage
An adjustable-rate mortgage (ARM) features an interest rate that may change periodically based on market index. This means your monthly payment can increase or decrease over time.
First-time Home Buyers
Buying your first home is an exciting milestone! Union Bank offers loan programs designed to make homeownership more accessible and affordable, helping you turn your dream into reality.
Vacant land
Looking to purchase land for future plans? A vacant land loan from Union Bank can help you buy now and build when you're ready.
Federal Housing Administration (FHA)
FHA mortgage loans are insured by the Federal Housing Administration, allowing your local community bank to offer lower rates and simplified terms with reduced risk.
Veterans Administration (VA)
VA mortgage loans are a special benefit for veterans and military families who have served our country and meet the eligibility requirements for this program.
USDA Guaranteed Rural Housing Program (RD)
Supporting homeownership in rural communities with USDA-backed financing, available in Union Bank’s service area.
Local Home Lending for Grand Rapids and West Michigan
Real estate is local, and your mortgage banker should be, too. Union Bank's Mortgage Bankers understand the housing markets throughout Grand Rapids and the surrounding West and Central Michigan communities. With local decision-making and personalized service, we're committed to helping you understand your options and find the financing solution that's right for you.
Next Steps: Connect With a Local Lender
Ready to get started? Our Mortgage Bankers are here to answer your questions and help you explore your financing options.
Schedule an Appointment: Meet with a Union Bank Mortgage Banker at a time that's convenient for you.
Apply Online: Complete a mortgage application to begin the pre-approval process.
Call Us: Contact us at 800-974-3273 to discuss mortgage rates and financing options.
Visit Our Virtual Branch: Submit an inquiry through our Virtual Branch and we'll connect you with a Union Bank Mortgage Banker.
Meet Our Mortgage Bankers
Connect with a Union Bank Mortgage Banker and schedule an appointment today!
Nicole Suchek
Mortgage Banker
NMLS# 707398