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. Mortgage insurance is required for loans exceeding 80% LTV. Minimum credit score and reserve requirements apply and may impact the amount that can be borrowed and the interest rate/APR for which you are eligible. A nonrefundable $550 application fee is required. Displayed rates were effective as of, are for informational purposes only, and are subject to change without notice. For mortgage loans, the APR may include the interest rate plus other charges or fees (such as discount points, mortgage insurance, and origination fees). The interest rates in this payment example is based on a variety of assumptions and conditions, including a consumer credit score which may be higher or lower than your individual credit score. Additional loan-level pricing adjustments may apply to your transaction. The payment examples below are for illustrative purposes only and assume a purchase, no cash-out or cash-out refinance of an owner-occupied single-family residence based on the loan details presented. The rate/APR is based on a variety of assumptions and conditions and is subject to change. Your rate/APR will be determined by your transaction's specific characteristics. Union Bank NMLS ID #539249.