Fixed Rate Loans*
Union State Bank Mortgage Division offers a variety of fixed rate programs including, but not limited to: Conforming, Jumbo (loan amounts exceeding $417,000), 10 to 30 year fully amortizing loans, Purchase money, Refinances, 100% Purchase financing, and Stated Income loans.

Construction Loans*
Union State Bank Mortgage Division offers hassle-free loans for borrowers looking to build their dream home. Whether you have a builder in mind or if you have experience and want to build it yourself, Union State Bank can help make your dream come true. Don’t forget to ask about our Construction/Perm loan program that can help you save on closing costs.

Adjustable Rate Loans*
Union State Bank Mortgage Division also offers a variety of variable rate programs featuring both LIBOR and Treasury ARMs. These programs allow you to fix a rate from one to ten years before converting to a variable rate.

Land Loans*
Union State Bank Mortgage Division has programs available if you are purchasing a lot or acreage.

Expanded Approval Loans*
Our Expanded Approval loans geared toward those who might be “Credit Challenged”. These programs include both fixed rate and variable rate products.

The USA Patriot Act requires us to obtain certain identity of all new customers who open an account beginning October 1, 2003. To see how this will affect your mortgage application, read our Patriot Act Notice.

*These products are offered through Union State Bank Mortgage Division