Make The Bank of Union your first choice when you are looking for a real estate loan. We offer a wide variety of loans from mortgages, home improvement, home equity, and construction. Our loans are processed and approved locally by loan officers whose first responsibility is to you, our customer. Put our experienced lenders to work for you and enjoy quality service that only a hometown bank can provide.
Home Mortgages
If you are like most individuals, your home will be your single most valuable asset. The right mortgage can make a big difference in how affordable your home is today and how valuable it can become in the future. We have loans to help finance the purchase of your new home, refinance your existing home, or consolidate other loans you may have. You can choose a fixed or variable rate loan to best fit your personal financial goals. In addition to attractive rates and terms, we offer low closing costs making a mortgage loan from The Bank of Union a wise choice.
Please contact us or visit one of our convenient locations to find out how The Bank of Union can help you with your mortgage loan needs.
Click here for a loan calculator to assist you with a mortgage loan.
Home Improvement Loans
If you are planning a remodeling of your kitchen, adding an extra room, or maybe a new deck, landscaping or swimming pool, check with us about an affordable home improvement loan to make your home improvement ideas a reality. We make home improvement loans for any size project.
The Bank of Union makes it easy for you to increase the value of your home. We offer fast, flexible home improvement loans backed by service that's both responsive and convenient.
Please contact us or visit one of our convenient locations to find out how The Bank of Union can help you with your home improvement plans.
Click here for a loan calculator to assist you with a home improvement loan.
Land Purchase Loans
Have you found that perfect piece of property for your new home, but not ready to build yet? Check with us about a Land Purchase Loan. We make loans to finance the purchase of land for homes, agricultural property, recreational property and retirement property.
Please contact us or visit one of our convenient locations to find out how The Bank of Union can help you with a land purchase loan.
Click here for a loan calculator to assist you with a land purchase loan.
Home Construction Loans
Building a new home can be fun and exciting project and the last thing you want to worry about is the financing. Let The Bank of Union help with a home construction loan. Whether you already own the land or are working to purchase with the intent of building, we can help.
Please contact us or visit one of our convenient locations to find out how The Bank of Union can help you build your dream home.
Click here for a loan calculator to assist you with a home construction loan.
Mortgage Loan Checklist
To help speed up the time it takes to prepare your application, here's a checklist of information you should bring with you when you meet with a Bank of Union loan officer to complete your application.
- Purchase agreement – legible, signed copy. Include copy of earnest money check, if possible.
- Paycheck stubs – covering the past 30 days. Must be typed or computer generated, and include your name or social security number, year-to-date earnings and employer's name.
- W-2 Forms – from all employer(s) for the last two years. Copies must be legible.
- Employment – name, address, and phone number of employer(s) for the last two years.
- Residence – addresses for the past two years.
- Retirement, social security, support, alimony – copies of award letters, checks and court support ledgers are acceptable proof of income.
- Bank Statements – statements for the past two months from each bank where you have an account.
- Automobiles Owned - Make and year of each automobile owned and current market value.
- Other Assets - Estimate of the market value of other assets (i.e., furniture or personal property).
- 401k and/or IRA Statements – most recent statement (if applicable).
- Investment Account Statements – statements for the last three months (if applicable).
- Stocks and bonds – proof of ownership and value (if applicable).
- List of all creditors – addresses, account numbers, monthly payments and balances owed on all open accounts.
- Rent – name, address, and phone number of landlords for the last two years, plus a signed copy of the rental agreement.
- Divorce decrees – legible copies, including any stipulations or modifications.
- Signed federal tax returns – for the past two years. Only necessary if you depend on non-salary income, are self-employed or own rental properties.
Committed to meeting the needs of our customers, whether consumer, business or agriculture, The Bank of Union has Real Estate Loan Programs in place that are competitive in the markets we serve, including Purchase, Refinance, and Construction. Please contact us or visit one of our convenient locations to see how we can best serve any of your funding needs.
