Buying or building a new home is an exciting time, and it’s one of the most important financial decisions you’ll ever make. You can relax knowing our team of professionals will be right there with you, from a free pre-qualification to finding the right loan for you.
With historically low rates and rising home values, now is the perfect time to build or buy your new home. Or if your current mortgage rate is over 5%, it’s a great time to refinance.
- Free Pre-Qualifications
- Competitive Rates
- Local Decision Making
- Local Loan Servicing Option
Union Bank offers all kinds of home loans for all kinds of financial situations:
- Fixed Rate Conventional & Jumbo Loans
Get the same interest rate, monthly principal and interest payment throughout the entire term of the loan. You're protected should interest rates rise, and your payments will be predictable.
- Adjustable Rate Mortgage (ARM)
An ARM features an interest rate that periodically adjusts with changing market rates, allowing the borrower to take advantage of lower interest rates and possibly enjoy lower monthly payments. Ask a home loan officer about these and other special kinds of mortgages that fit your specific financial situation.
- Federal Housing Administration (FHA) Mortgage
FHA mortgages are designed to help you purchase a home with a low down payment and less restrictive qualifying guidelines. These loans are insured by the FHA.
- First-Time Homebuyer Loans (NIFA)
This program provides funding for mortgages made to homebuyers who qualify as first-time homebuyers (with certain exceptions) throughout the state of Nebraska and meet established income and purchase price limits.
- VA Mortgage
This type of mortgage provides the opportunity to buy a home up to a specified amount with no down payment and are assumable. These loans are administered by the Department of Veteran Affairs.
- Construction Loans
We work closely with both builders and homeowners on the construction of a new home. Our team will be with you every step of the way, from the purchase of the lot to the long-term financing once your home is complete.
- Bridge Loans
If purchasing your new home also involves selling your existing home, there's no need to miss out on buying that new dream home just because your current residence is not sold. We’ll help you get there.
- Lot Loans
We can help you with financing for the purchase of residential lots, even if you are not ready to build your new home today.
- Cash-to-Close Loans
Our cash-to-close loan allows qualified buyers to tap into the equity in your current home for the down payment on your new home.
- Specialty Loans
A variety of specialty mortgage loan products are available. Visit with a Union Bank home loan expert to learn more about these products.
Home Loan Calculators
These tools allow you to make calculations based on home value, interest rates, loan payments, down payments, and more.