Trusted Multi-State Mortgage Lender
Whether you are a first-time home buyer, a move-up buyer, an investor, or looking to refinance your current mortgage, we have you covered.
Union Home Mortgage is a national mortgage lender built on a people‑first culture and consistent recognition for workplace excellence.
UHM combines a broad national footprint with a culture that supports both borrowers and the loan professionals who serve them. The company’s focus on employee engagement and scalable operations helps Partners deliver a wide range of mortgage solutions across many states.
Recognized for workplace excellence and inclusion, UHM has earned multiple third‑party honors that reflect strong employee engagement and a commitment to diversity. Those recognitions underscore the company’s emphasis on building an inclusive, high‑performing workplace.
What that means for clients: A stable, award‑winning workplace translates into more experienced loan teams, clearer communication, and faster problem-solving for borrowers. When a lender invests in its people, clients benefit from consistent service, lower turnover among loan officers, and reliable support through the loan process.
Our branch is licensed in the following states: Arizona, Florida, Georgia, Illinois, Iowa, Indiana, Michigan, Minnesota, New Jersey, North Carolina, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin.
Government Loans: FHA, VA, and USDA Rural Housing
Government home loan programs are designed to make homeownership more accessible by offering low down payment options, flexible credit requirements, and affordable financing. These programs can be a great fit for first‑time homebuyers, buyers with limited savings, and eligible Veterans or active‑duty service members.
Whether you’re purchasing your first home, upgrading, or refinancing, government‑backed loans such as FHA, VA, and USDA can provide powerful benefits that help you qualify more easily and keep upfront costs low.
Explore the programs below to find the right option for your situation.
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FHA Mortgage Loans
FHA loans are backed by the Federal Housing Administration and offer flexible credit requirements and a low 3.5% down payment. They’re a popular option for first‑time homebuyers and anyone who needs easier qualification.
Your down payment can come from gift funds, making it possible to buy a home with little to no personal savings. FHA also offers several refinance options, including rate‑and‑term, cash‑out, and the FHA Streamline Refinance with reduced documentation.
Explore the FHA purchase and refinance programs below, along with state‑specific information.
- FHA Purchase – information and guidelines for an FHA purchase loan
- FHA Streamline Refinance – existing FHA mortgage can be refinanced with reduced paperwork and no appraisal
- Wisconsin FHA– state-specific information for Wisconsin residents looking to buy a home using the FHA program. View Wisconsin FHA loan limits by county
- Illinois FHA– state-specific information for Illinois residents looking to buy a home using the FHA program. View Illinois FHA loan limits by county
- Minnesota FHA– state-specific information for Minnesota residents looking to purchase a home with an FHA loan. View Minnesota FHA loan limits by county
- Florida FHA– state-specific information for Florida residents looking to purchase a home with an FHA mortgage. View Florida FHA loan limits
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VA Mortgage Loans
VA loans are a powerful home financing benefit available to eligible Veterans, active‑duty service members, National Guard and Reserve members, and certain surviving spouses. These loans are backed by the U.S. Department of Veterans Affairs and offered through VA‑approved lenders.
The VA home loan program is known for its no‑down‑payment requirement, lenient credit guidelines, and no monthly mortgage insurance, making it one of the most affordable ways to buy a home. Borrowers can also use VA entitlement more than once, depending on eligibility and remaining entitlement.
VA loans can be used to purchase a home, build a home, or refinance an existing mortgage. Refinance options include the VA IRRRL (Interest Rate Reduction Refinance Loan) for lower rates with minimal documentation, as well as VA cash‑out refinancing for homeowners who want to access home equity.
- VA Purchase – enjoy the privilege of no down payment loans for qualified veterans and reservists
- VA IRRRL Streamline Refinance – allows current VA home loan customers to refinance to a lower rate with reduced paperwork
- VA Refinance (Non-Streamline) – Veterans can refinance an existing loan up to the appraised value
- Jumbo VA Mortgage – designed to help purchase loans priced over $548,250
- Wisconsin VA – state-specific information for Minnesota residents looking to buy a home using the VA mortgage program.
- Minnesota VA – state-specific information for Minnesota residents looking to buy a home using the VA mortgage program.
- Illinois VA – state-specific information for Illinois residents looking to buy a home using the VA mortgage program.
- Florida VA – state-specific information for Florida citizens looking to buy a home using the VA mortgage program.
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USDA Rural Housing Mortgage Loans
USDA loans are a unique home financing option backed by the U.S. Department of Agriculture and created to support homebuyers in eligible rural and suburban areas. While USDA‑approved lenders originate the loan, the USDA reviews and signs off on the final approval, adding an extra layer of security for both buyers and lenders.
The USDA Rural Development Home Loan Program offers 100% financing, meaning no down payment is required. Borrowers may also roll in closing costs if the home appraises high enough, helping reduce upfront expenses. USDA loans can be used for home purchases or refinances, and refinancing is allowed up to the full appraised value.
All USDA loans include property eligibility requirements and household income limits, which vary by location and family size.
- USDA Purchase – you don’t have to live out in the country to qualify for a USDA Rural Housing loan
- USDA Refinance – USDA to USDA only refinance program
- Wisconsin Rural Development – state-specific information for Wisconsin residents looking to buy a home using the USDA mortgage program.
- Illinois Rural Development – state-specific information for Illinois residents looking to buy a home using the USDA mortgage program.
- Minnesota Rural Development – state-specific information for Minnesota residents looking to buy a home using the USDA program.
- Florida USDA Rural Development – state-specific information for Florida residents looking to buy a home using the USDA mortgage program.
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Conventional Loans and Guidelines
Homeowners looking to refinance have several options available through both government‑backed and conventional loan programs. Whether your goal is to lower your interest rate, reduce your monthly payment, or shorten your loan term, refinancing can help improve your long‑term financial picture.
For homeowners who want to use their home’s equity, cash‑out refinancing and debt‑consolidation refinances offer a way to pay off higher‑interest debt or fund major expenses. Many programs also allow streamlined refinancing with reduced documentation for eligible borrowers.
No matter your situation, there’s a refinance option designed to help you make the most of your home’s equity and monthly budget.
- How To Buy A Home For Your Elderly Parents or Disabled Adult Child – guidelines that allow people to buy a home for their elderly parents or disabled adult child as an owner-occupied property
- Investment Properties – basic rules for buying an investment property
- Fannie Mae HomeReady® Mortgage – low down payment conventional purchase loan
- Freddie Mac Home Possible – loans aimed at people with lower incomes; lower mortgage insurance and down payment requirements
- Lender Paid Mortgage Insurance – for a nominal fee the lender can pay the Mortgage Insurance on your behalf
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Refinance
Cash-out, debt consolidation, or lower your existing rate
If you currently own a home and need refinancing, we have a program to fit your needs. All of the government programs mentioned above, along with conventional loans, offer refinancing optionsoptions. If you want to lower your interest rate to save money on your mortgage payback, you can choose from a wide range of loans.
If you need to use the equity in your home to pay off other debt, then a consolidation loan is a good choice.
- Refinance Options – there are a variety of reasons to refinance – Let us help you with your goals!
Contact us or Apply Online today for a complete purchase or refinance assessment.
