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Your Trusted Partner for Mortgage Solutions
Union Home Mortgage has been dedicated to empowering homeownership through innovative mortgage solutions. Our team of experienced professionals specializes in guiding first-time homebuyers and seasoned buyers through the complexities of mortgage financing. We offer a range of products including conventional, FHA, VA, and USDA loans, as well as refinancing and home equity options. Our 1% Down Payment Program provides eligible buyers with up to 2% in down payment assistance, making homeownership more accessible. With a commitment to transparency and customer satisfaction, we ensure every client receives personalized support throughout the loan process.

Our HELOC program leverages homeowners' equity to provide flexible financial solutions. Backed by decades of industry experience and a pledge to equal housing opportunity, we serve clients nationwide while maintaining a strong local presence. Our NMLS-licensed team prioritizes clear communication, timely responses, and comprehensive guidance, as evidenced by numerous positive client testimonials. We continuously adapt to market changes while maintaining rigorous compliance standards to deliver reliable, trustworthy service.
Services
Conventional Loans FHA Loans VA Loans USDA Loans Refinancing Rehab Loans New Construction HELOC Down Payment Assistance First-Time Buyer Programs
Highlights and features
  • We offer a 1% Down Payment Program with up to 2% down payment assistance
  • Our HELOC program leverages homeowners' equity for financial flexibility
  • NMLS-licensed team provides personalized, timely mortgage guidance
  • Proven track record serving first-time homebuyers nationwide
  • Committed to equal housing opportunity and transparent practices
Associations and certifications
  • NMLS #2229
What people say
Wonderful experience Helpful and responsive BEST!! Amazing experience Closed early
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Services
Conventional Loans
30-year fixed-rate conventional loans with competitive rates and flexible down payment options. Ideal for borrowers with strong credit seeking predictable payments. Our program includes down payment assistance for qualified applicants.
FHA Loans
FHA-insured mortgages requiring lower minimum down payments and credit scores. Designed for first-time buyers and those rebuilding credit. We provide expert guidance through the FHA loan process.
VA Loans
Exclusive mortgage programs for veterans and active military personnel with zero down payment options. Our specialists handle VA loan applications with priority service and military appreciation discounts.
USDA Loans
Zero-down-payment mortgages for rural property buyers through USDA programs. We assist with eligibility verification and paperwork completion for qualified applicants in eligible areas.
HELOC
Flexible home equity lines of credit allowing homeowners to access up to $200k+ in equity. Competitive rates with draw periods up to 10 years for home improvements or financial needs.
Questions
What down payment assistance programs do you offer?
Our 1% Down Payment Program provides eligible buyers with up to 2% in down payment assistance (max $2,000) for primary residences. Available for income-qualified first-time buyers.
What types of mortgage loans do you provide?
We offer conventional, FHA, VA, USDA, rehab, new construction, and HELOC products. Each program has specific eligibility requirements and benefits tailored to different buyer needs.
How does the mortgage application process work?
Start online or with a local loan officer. Provide income documentation, credit authorization, and property details. Our team guides you through pre-approval, underwriting, and closing steps.
What is your HELOC program?
Our Home Equity Line of Credit offers flexible access to home equity with competitive rates. Homeowners can access over $200k in average usable equity with customizable repayment terms.
Are there special programs for first-time homebuyers?
Yes! We specialize in first-time buyer programs including down payment assistance, lower credit score requirements, and educational resources to simplify the home buying journey.