Refinance your home with Union Bank®
Cash out a portion of your home equity for home improvements, debt consolidation, college, and more.
Get competitive rates and save with lower payments.
With shorter term lengths, save money by paying off your loan faster.
Save with no out-of-pocket expenses.
Take advantage of our low rates
(Rates effective )
Conforming Fixed-Rate (30-year)
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Conforming Fixed-Rate (15-year)
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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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How to refinance your home
Your credit score will greatly affect your loan options and interest rates. Be sure to know your credit score and what affects it. Things like credit utilization, outstanding balances, student loans, and any missed payments are just a few factors that influence your score. Know and understand them well.
We go above and beyond to see that your application process is as seamless and empowering as possible. From the initial loan application to providing proof of income and checking your credit, we’ll be with you every step of the way. Once we’ve collected your information, we offer you a number of loans for you to choose from.
Income tax returns, insurance policies, W-2 tax forms, your driver’s license or passport - these are just a few of the documents you’ll be required to submit during the mortgage application process. Don’t worry. Our mortgage experts will help determine which documents you’ll need, some of which may be sourced directly through the application. Plus, you can easily submit them all online - no fax machine necessary.
Since you’ve decided to refinance your home, we need to get a current appraisal of the value of your home. In the event your home is more or less valuable than originally estimated, and the terms of your loan change, we’ll make sure you understand exactly why and how it’ll affect you.
Once your appraisal is in, your loan has been processed, underwritten, and approved, you’re ready to sign your loan documents. This may be done at your title or escrow company’s office, or with a closing attorney. Given the amount of documents, plan on an hour or so to review and sign them all. Remember to save the pen - that one’s a keeper. Once you’ve signed the documents, your new home is officially yours and it’s time to celebrate.
Know Your Credit Score
Your credit score will greatly affect your loan options and interest rates. Be sure to know your credit score and what affects it. Things like credit utilization, outstanding balances, student loans, and any missed payments are just a few factors that influence your score. Know and understand them well.
Start an Application
We go above and beyond to see that your application process is as seamless and empowering as possible. From the initial loan application to providing proof of income and checking your credit, we’ll be with you every step of the way. Once we’ve collected your information, we offer you a number of loans for you to choose from.
Submit Your Documents
Income tax returns, insurance policies, W-2 tax forms, your driver’s license or passport - these are just a few of the documents you’ll be required to submit during the mortgage application process. Don’t worry. Our mortgage experts will help determine which documents you’ll need, some of which may be sourced directly through the application. Plus, you can easily submit them all online - no fax machine necessary.
Get an Appraisal
Since you’ve decided to refinance your home, we need to get a current appraisal of the value of your home. In the event your home is more or less valuable than originally estimated, and the terms of your loan change, we’ll make sure you understand exactly why and how it’ll affect you.
Sign Loan Documents & Closing
Once your appraisal is in, your loan has been processed, underwritten, and approved, you’re ready to sign your loan documents. This may be done at your title or escrow company’s office, or with a closing attorney. Given the amount of documents, plan on an hour or so to review and sign them all. Remember to save the pen - that one’s a keeper. Once you’ve signed the documents, your new home is officially yours and it’s time to celebrate.
Refinancing your home
Talk to an experienced Mortgage Consultant about your refinance options.
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.