Pamela Short

Mortgage Consultant
NMLS ID: 482190
576 S. Mills Road
Ventura, CA 93003
Pamela Short

Benefits of our mortgages

Quick Prequalification

The first step is also the fastest. Get prequalified in minutes.

Get low rates

With low rates and affordable payments, homeownership can be yours.

Close on time

Experience the peace of mind of an on-time closing.

We’re Here to Help

Our Mortgage Consultants will work with you each and every step of the way.

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.

The right mortgage to match the right home

ARM Loans

Adjustable Rate Mortgage (ARM) loans allow you to secure a low payment for a fixed period of time after which the interest rate adjust to the going market rate.

FHA Loans

Buying a home may be more affordable than you think. Federal Housing Authority (FHA) loans can help bring your dream of home-ownership to life with a low down payment option.

VA Home Loans

Thank you for your service. Because of your contribution to us, we have the privilege of offering flexible loan options to veterans, service members and spouses.

Jumbo Loans  

Jumbo Loans are just that — a bit bigger. If and when you need a loan up to $5 million, we have the solution for you.

Low Down Payment Loans

Beyond FHA loans, we also offer low down payments, competitive interest rates, and flexible underwriting on a variety of non-FHA products. We even offer options with no mortgage insurance.

Fixed-Rate Loans

Offering stability and peace of mind, fixed-rate loan payments never change. Even if interest rates rise, you’ll know exactly what you’ll be paying.

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.

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