Conventional loans are the cookie cutter loans that are made up of fully documented, traditional lending for purchases, refinances, and more.

An FHA loan, or Federal Housing Administration, is exactly what the name implies. The federal government is personally insuring the loan, which allows us to get you a better deal. First-time home buyers love FHA loans due to it's famous low down payment of 3.5%!

Whether you want to improve your rate or cash-out the equity in your home, refinancing could help you improve your existing loan terms.

VA loans are tailored for veterans, service members, and eligible surviving spouses. Many benefits of a VA loan include: No down payment required by VA, famously low interest rates, limited closing costs, and an exemption from paying Private Mortgage Insurance (PMI).

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Your length of service, commitment, and character of service may improve your eligibility for specific benefits.

After the condo collapse in Surfside, Florida in 2021, regulations surrounding the maintenance and organization of these buildings became 100 times more strict. As a result of this, financing a condo requires a massive amount of work and detail-oriented investigation.

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Union Mortgage is one of the few lenders equipped to provide financing for these properties.

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We offer expert solutions for varying situations like:

• Financing on condos not approved by Fannie Mae or Freddie Mac

• Primary residences, second homes, and investment properties

• Much, much more

A home equity line of credit is a balance of money gained by using the equity in your home as collateral for the loan. You will be cashing out the cash equivalent to the equity accumulated in your home's value over time. You will have a draw period in which you are entitled to take out funds!

A jumbo loan is reserved for loan amounts that exceed conforming limits. If you choose to finance something worth many millions of dollars, you will have to apply for a jumbo loan, OR you can contact our President to consider private lending. Read more about private lending here.

A reverse mortgage and a HECM reach for the same star. This loan is reserved for home-owners at the age of 62 or older, who are looking to use the equity in their home to renovate, go on vacation, send kids to college, save for retirement, and much more.

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So what's the difference?

The HECM is insured by the federal government, and the reverse mortgage is not.

This loan allows self-employed borrowers to use bank statements showing regular deposits to qualify in place of tax returns.

This loan is designed for non-residents in the US looking to purchase a second home or investment property.

This loan allows you to use your investment property's rental income to qualify in place of employment income. This ratio is determined by the investor.

This loan allows self-employed or independent contract works to use 1099s to qualify in place of tax returns.

This loan allows you to use substantial assets to qualify in place of employment income.

This loan allows non-citizens to use their taxpayer ID to qualify in place of a Social Security number.

Self-employed borrowers will qualify using only Profit and Loss statements.

The asset assist program is for those have more assets than income. With this product, your assets will be included with your income, making your qualification more accurate to your current financial standing than any other loan could.

Union's private lending program is ran directly by our President and Founder, Sergio Aleaga. Private lending clients enjoy the convenience of flexible qualification and quick closings. Trusted by thousands of clients, Sergio offers experienced and reliable lending advice and solutions. He will invest in you, and your goals.

Sometimes, you can't find what you want on the menu. Let us know, and we will find the right mortgage for you, every time.