Union Home Mortgage: Your Guide To Home Financing

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Union Home Mortgage is a full-service mortgage lender with a slightly different story than most of its competitors. Founded in 1970, the company has grown into one of the largest independent mortgage companies in the United States. Let’s dive into what makes Union Home Mortgage stand out.

A Broad Range of Mortgage Options

Union Home Mortgage (UHM) offers a wide variety of mortgage products to suit different borrower needs. These include:

  • Conventional Loans: Fixed-rate and adjustable-rate mortgages for borrowers with good credit.
  • FHA Loans: Mortgages insured by the Federal Housing Administration, ideal for first-time homebuyers and those with lower credit scores.
  • VA Loans: Loans guaranteed by the Department of Veterans Affairs, available to eligible veterans, active-duty military personnel, and surviving spouses.
  • USDA Loans: Mortgages backed by the U.S. Department of Agriculture, designed for rural and suburban homebuyers.
  • Jumbo Loans: For those needing to borrow larger loan amounts that exceed conventional loan limits.
  • Refinancing: Options to refinance your existing mortgage for better rates or terms.

Union Home Mortgage Services

Union Home Mortgage distinguishes itself through its commitment to customer service. Borrowers benefit from personalized guidance throughout the mortgage process. Here’s what you can expect:

  • Personalized Service: Dedicated loan officers work closely with borrowers to understand their unique financial situations and goals.
  • Streamlined Process: UHM aims to simplify the mortgage application and approval process, making it as efficient as possible.
  • Educational Resources: The company provides resources and tools to help borrowers make informed decisions about their mortgages.

Union Home Mortgage: What Sets It Apart?

  • Technology-Driven: Embraces digital solutions to enhance the customer experience, from online applications to virtual consultations.
  • Community Focus: UHM is involved in local communities through various charitable initiatives and partnerships.
  • Experienced Professionals: The company employs knowledgeable mortgage professionals who are dedicated to providing expert advice and support.

The Application Process

  1. Pre-Approval: Get pre-approved to understand your borrowing power and strengthen your offer.
  2. Application: Complete the mortgage application with the assistance of your loan officer.
  3. Processing: UHM's processing team verifies your information and prepares your loan for underwriting.
  4. Underwriting: Underwriters review your application to assess risk and determine loan approval.
  5. Closing: Finalize your loan and receive the keys to your new home.

Union Home Mortgage continues to innovate and adapt to the changing needs of the mortgage market, making it a reliable choice for many homebuyers.