How to Apply
To start your mortgage application, apply online or fill out one of the mortgage packages below.
Each package 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.
Application packages are in PDF format. A free PDF reader is available from Adobe.
Since 1891 Union Bank has built a solid reputation as the bank that helps make your real estate plans take shape. It’s not only our customers who have recognized our commitment. The FDIC has awarded Union Bank a rating of "outstanding" in its evaluation of the Bank's Community Reinvestment Act (CRA) performance. This is the highest rating afforded to any banking institution. They have also noted our excellent performance in residential lending to borrowers of all income levels—especially low and moderate.
Fixed Rate Mortgages
Fixed rate mortgages can be used to purchase or refinance your primary or vacation home, or for one- to four-family investment properties. Benefits of a fixed rate mortgage include an interest rate and payment that stay constant over the life of the loan. Union Bank's fixed rate mortgages offer attractive rates and terms that suit your needs.
Adjustable Rate Mortgages
Adjustable Rate Mortgages (ARMs) can also be used to purchase or refinance your primary or vacation home, or for one- to four-family investment properties. An ARM generally has an initial, fixed rate period. At the end of that time, your interest rate increases or decreases, depending on your mortgage’s specific index, margins and caps.
First–Time Home Buyer & Affordable Housing Programs1
Low & No Down Payment Mortgages
Our low down payment mortgage options offer first-time home buyers and low- to moderate-income borrowers an easy and convenient way to purchase a home.
Vermont Housing Finance Agency (VHFA) & New Hampshire Housing Finance Agency (NHHFA)
Union Bank’s partnership with VHFA & NHHFA allows us to finance and promote affordable, safe and decent housing opportunities for low- and moderate-income borrowers.