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Refinance Your Home

Take Advantage of Our Competitive Interest Rates and Potentially Reduce Your Monthly Mortgage Payments

When you refinance your home, you're basically paying off your existing mortgage by taking out a new mortgage loan. By doing this, you may be able to benefit in a variety of ways:
  • 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.
  • Build up equity more quickly by converting to a loan with a shorter term.
  • Change from an adjustable-rate mortgage (ARM) to a fixed-rate loan, for a predictable payment for the life of the loan.
  • Convert to an ARM with a potentially lower interest rate.
  • Use the money to fund home improvements, make a major purchase, or finance your child's education.
  • Interest may be tax deductible (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.

Purchase a Home

We're Committed to Assisting You Through the Loan Process

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. Plus, Union Bank lends directly to our clients, which means we’re not limited by trends or conditions in the secondary market that may affect credit decisions at other financial institutions.###DISCLAIMER:2_0 Loans - Short###

Whether you’re looking for your first home or trading up, our experienced mortgage consultants will be there each step of the way to help guide you through the purchase of a new home or refinance process. You’ll benefit from:
  • Many mortgage options including fixed rate loans and adjustable rate loans with initial fixed rate payments, conforming and jumbo loan amounts.
  • A program designed for low-to-moderate-income borrowers
  • Competitive rates and payment terms
  • Personalized service
On Time Closing Guarantee: We guarantee to close when we say we will, in as little as 25 days. If we miss by even a day, we will pay your first month's mortgage payment.###DISCLAIMER:2_0 Loans - Jumbo###

Call us today for a no-cost mortgage consultation or to apply.

First-time Home Buyers

Ready to Make Your Dream of Owning a Home a Reality?

Let Union Bank's experienced team of mortgage consultants guide you through the process of buying your first home.###DISCLAIMER:2_0 Loans - Short-3### They can help you:
  • Determine your price range -- find out how much you are qualified to borrow
  • Calculate monthly payments -- includes mortgage, insurance, and other monthly expenses
  • Find the loan that's right for you -- we'll match you with the most ideal mortgage for your situation

Tax Benefits

Owning a home gives you several tax advantages. Keep good home loan and purchase records to ensure that you can deduct your mortgage interest, loan points, and real estate taxes. Also, be sure to consult your tax advisor for details.###DISCLAIMER:2_0 Loans - Short###

Mortgage Interest

Your lender should send you a Form 1098 listing the mortgage interest you paid during the year. The amount labeled as "interest paid" on Form 1098 is the amount you deduct on your tax return. This amount:
  • Is usually your most significant deduction
  • Constitutes the largest portion of your payment in the early years of your mortgage

Loan Points

Points are charges that a borrower pays to obtain a home mortgage. Title companies must clearly label points paid on the Settlement Statement included with the closing documents. Various payments are considered points, including:
  • Loan origination fees
  • Maximum loan charges
  • Loan discounts fee
  • Discount points fee

Taxes and Other Deductions

Real estate taxes are often a major deduction. These are annual taxes you pay based on the assessed value of your property. Other payments, such as repair estimate fees and certain types of maintenance costs, may also reduce your income taxes. Consult your tax advisor to make sure you don't miss out on any possible deductions.
Buying or Selling a Home?
Find the value of your home with our home value estimator.
What to Expect

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