What is it?

With a fixed-rate loan, your payment does not change for the life of the loan, so you’ll know exactly what your monthly payment will always be.

Who is it for?

Fixed-rate loans are for people who are looking for predictability and stability in their monthly mortgage payment.

What are the benefits?

You’ll know exactly what you’ll be paying every month, while building equity in your home with every payment. Shorter terms are available to pay your loan off faster.

Loan details

Fixed-rate loans give people peace of mind knowing exactly what the payment will be every month, even if interest rates rise.

  • 10, 15, 20 and 30-year terms # available for Conforming loans
  • Jumbo – 15 and 30-year terms #
  • Economic Opportunity Mortgage® (EOM) – 30-year term #
  • HomeReady® - 30-year term #
  • FHA – 15 and 30-year term #
  • VA –15 and 30-year terms #

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 non-refundable $550 application fee is required.  Union Bank NMLS ID #539249.

You’re leaving Union Bank

By clicking on the link below, you will leave the Union Bank website and enter a privately owned website created, operated, and maintained by another unaffiliated business. By linking to the website of this private business, Union Bank is not endorsing its products, services, or privacy or security policies. If you accept third-party goods or services advertised at our website, the third party may be able to identify that you have a relationship with us (for example, if the offer was made only through our site).

The information that this private business collects and maintains as a result of your visit to its Web site, and the manner in which it does so, may differ from the information that Union Bank collects and maintains. (Refer to the Privacy & Security section for privacy protections Union Bank provides to its Web site visitors). If you provide the business with information, its use of that inforation will be subject to that business's privacy policy. We recommend you review their information collection policy, or terms and conditions to fully understand what that business collects. We are not responsible for the information collection practices of the other Web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information.

If you wish to continue to the destination link, press Continue.