916.220.2001 info@umcloan.com

Buying a Home

Let Union Mortgage of California Guide You into Your Dream Home

Whether you’re a first-time homebuyer, a seasoned homeowner, or looking to refinance, we can help. We’re local-right here in your neighborhood- and we want to make sure you get the information you need, and the home loan that’s just right for you. As part of this community, we’re working to help our neighbors succeed at getting approved for a home loan.

Buying your first home or just need a refresher, we’ll walk you through all the steps involved in buying a new home.

Start online

Submit your prequalification request online: There’s no cost and no obligation.

Work with a specialist

Our experienced lending specialists will help you every step of the way.

Prepare for closing

Securely upload and e-sign documents using the Home Loan Navigator.

Down Payment Assistance

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A wide variety of Down Payment Assistance programs are available

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You may receive a grant to help with down payment assistance and/or closing costs

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Based on the funds you have available, we will design a loan that will work for your individual situation.

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We can help you determine your needs and choose the right loan to meet your goals.

We can help you unlock your loan options. Start by getting prequalified.

Loan Programs for First-Time Home

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FHA Loans

Lower those rising mortgage payments with a government-insured fixed-rate loan

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30-Year Loan

Find stability with a traditional fixed loan option, Associated Mortgage Brokers can help you lock in today at a great rate.

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VA Home Loan

Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI)!

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Adjustable Rate Mortgage

Pay less over a traditional fixed rate mortgage for the first years of your loan with a 5 or 7 year ARM. Get the lowest rates available and save money.

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USDA

A USDA home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

Let Union Mortgage of California Guide You into Your Dream Home

Whether you’re a first-time homebuyer, a seasoned homeowner, or looking to refinance, we can help. We’re local-right here in your neighborhood- and we want to make sure you get the information you need, and the home loan that’s just right for you. As part of this community, we’re working to help our neighbors succeed at getting approved for a home loan.

Start online

Submit your prequalification request online: There’s no cost and no obligation.

Work with a specialist

Our experienced lending specialists will help you every step of the way.

Prepare for closing

Securely upload and e-sign documents using the Home Loan Navigator.

Dawn Payment Assistance

  • A wide viriety of Down Payment Assistance programs are available
  • You may receive a grant to help with down payment assistance and/or closing costs

Loan Programs for First-Time Home

Z

FHA Loans

Lower those rising mortgage payments with a government-insured fixed-rate loan

Z

Adjustable Rate Mortgage

Pay less over a traditional fixed rate mortgage for the first years of your loan with a 5 or 7 year ARM. Get the lowest rates available and save money.

Z

USDA

A USDA home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

Z

30-Year Loan

Find stability with a traditional fixed loan option, Associated Mortgage Brokers can help you lock in today at a great rate.

Z

VA Home Loan

Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI)!

Z

Sapphire

 Eligible buyers can receive a grant in the amount of 5% of the loan amount that will cover all of your down payment, and much of the cost of the grant program itself.