The first step is also the fastest. Get prequalified in minutes.
With low rates and affordable payments, homeownership can be yours.
Experience the peace of mind of an on-time closing.
Our Mortgage Consultants will work with you each and every step of the way.
Take advantage of our low rates
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7/6 Conforming ARM (30-year)
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7/6 Interest-Only ARM (30-year)
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10/6 Conforming ARM (30-year)
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FHA Fixed-Rate (30-year)
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Get personalized advice from our Mortgage Consultants
You have questions. We have answers. We’re more than happy to meet face-to-face to offer any help or advice throughout the home buying process.
What to expect
Your first step in the process will be completing an application. Our Mortgage Consultants will walk you through each and every step as well as order a credit report and help you submit all the required documents. Many forms can be filled out and submitted digitally, making the process even smoother and simpler.
Most of the work here is done on our end as we review your application, appraise the property, and provide you with initial disclosures. These disclosures provide you the buyer important protections and transparency into the home buying process.
Once we’ve collated the necessary documents, Union Bank will review your application and make a decision to approve or deny.
At this point, our mortgage experts will provide the final loan documents necessary to complete your loan transaction. As always, we will ensure every “i” is dotted and every “t” crossed, and answer any questions you may have.
This is the day you’ve been waiting for. During closing, all loan documents are sent to a Closing Agent (or in some cases an Escrow or Title Company) who will oversee the signing of all final loan documents. Once the signatures are complete, the loan is funded and you become an official homeowner.
What customers are saying
Our home loan is a big commitment. It’s tied to our house where we raise our family and is the biggest investment we will ever have. The Union bank team we worked with were friendly, fast, knowledgeable and genuinely helped us. We are now in the process of moving all our banking activity across given the great experience we have had.
I have been with Union Bank for about 13 years now and they have always been willing to work with me in everything that I've gone through. So I couldn't see why this would be any different and I was right. I thank you Union Bank for the help that you have given me in the purchase of my new home.
Everyone who worked on making the purchase happen was excellent. The time and effort everyone put throughout whole process exceeded my expectations. Very happy with the outcome. Thanks to everyone at Union Bank.
Considering a home equity line of credit (HELOC)?
Enjoy convenient access to your home’s equity with a Union Bank HELOC - there's no fee to apply and no annual fee.
Loans subject to credit and collateral approval. Not all loan programs are available in all states for all loan amounts. Restrictions may apply. Terms and conditions subject to change. A nonrefundable $550 application fee is required. Union Bank NMLS ID #539249.