Union Bank

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Mortgages

Union Bank mortgages have been helping customers buy their own homes since 1891. We’ve consistently earned “outstanding” ratings from the FDIC (the highest rating afforded to any banking institution) for our community reinvestment efforts, and commended for the excellent options we provide to borrowers of all income levels — including low and moderate-income borrowers.


Fixed-Rate Mortgages

Fixed-Rate mortgages provide a predictable, set interest rate and payment that stays constant over the life of the loan. Our fixed-rate mortgages can be used to purchase or refinance your primary or vacation home, or for one-to-four-family investment properties.

Adjustable-Rate Mortgages (ARMs)

ARMs generally have an initial, fixed-rate period. At the end of that time, your interest rate increases or decreases, depending on the specific terms of your mortgage. ARMs can be used to purchase or refinance your primary or vacation home, or for one-to-four-family investment properties.

First-Time Home Buyer & Affordable Housing Programs

These are mortgages with low and no down-payment options to help first-time home buyers and low-to-moderate-income borrowers purchase a home.


Union Bank’s partnerships with FHA, VA, USDA Rural Development (RD), Vermont Housing Finance Agency (VHFA) and New Hampshire Housing Finance Agency (NHHFA) allow us to finance and promote affordable, safe and decent housing opportunities for qualifying borrowers with limited down payment resources and/or low-and-moderate-incomes.

Apply Online

Online Mortgage Application

Or download our printable applications. Each PDF contains instructions and “field fillable” boxes you can type directly into. Once completed, simply print out, sign and deliver (or mail) to any of our locations.

VT Mortgage Application

NH Mortgage Application

Download the free Adobe PDF Reader.