If you've found the one and have signed a purchase agreement, apply for financing by clicking “I have an agreement.” If you’re still shopping, contact me to get prequalified or check rates.
Over 30 years of mortgage banking experience is at your disposal to help you with all your mortgage loan decisions.
More loan programs
Union Bank & Trust is a local, family-owned bank that offers more than the traditional conventional, FHA, VA, USDA, and jumbo loans. We also provide construction loans, interim bridge loans, and portfolio loans for those loan needs that are a little different.
Realtors and sellers will be more willing to negotiate when they know you have qualified for a loan and are ready to make a purchase.
What Mike’s customers are saying
“Michael Fosdick is a seasoned mortgage banking professional who I enjoyed working with. If you are self-employed, he is very adept at understanding and explaining complex personal tax returns when it comes to working with the underwriters. I strongly recommend him.”David Schwalb, President, Schwalb Reatly Group, Inc.
**Offer subject to credit approval. Valid on first lien closed-end secondary market owner-occupied dwelling-secured purchase or refinance with a term of 10 years or more. Cannot be combined with any other offer. Offer valid on applications received from 09/01/2023 to 12/29/2023. Loan must close on or before 01/31/2024.