MORTGAGE OPTIONS
Find Your Fit
From traditional home loans to specialized financing, discover the options available to help you reach your homeownership goals.
All loans are subject to credit approval, eligibility requirements, and program availability. Not all programs are available in every state. Contact The Duke Team for details.
Conventional Loans
Conventional Loans
Conventional Loans
Conventional loans offer flexible financing options for purchasing a home. Qualified buyers may be eligible for down payments as low as 3%, making this a great option for first-time and experienced homebuyers alike.
FHA Loans
Conventional Loans
Conventional Loans
FHA loans are government-insured mortgages designed to make homeownership more accessible. With flexible credit guidelines and down payment options as low as 3.5% for qualified buyers, FHA financing may be a great fit for a variety of borrowers.
VA Loans
Conventional Loans
USDA Loans
VA loans offer eligible veterans, active-duty service members, and certain surviving spouses valuable home financing benefits. Qualified borrowers may purchase a home with no down payment and no monthly mortgage insurance.
USDA Loans
Construction Loans
USDA Loans
USDA loans help eligible buyers purchase homes in qualifying rural and suburban communities. With no down payment required for qualified borrowers, this program can make homeownership more attainable in eligible areas.
Construction Loans
Construction Loans
Construction Loans
Dreaming of building your own home? UHM's Construction-to-Permanent financing combines construction and permanent financing into one loan with a single closing, helping simplify the process for qualified borrowers building with an approved builder.
Renovation Loans
Construction Loans
Construction Loans
Found a home that needs a little work? Renovation financing may allow qualified buyers or homeowners to combine eligible improvement costs with mortgage financing.
Specialty Mortgage Programs
Specialty Mortgage Programs
Specialty Mortgage Programs
Not every borrower fits the traditional mortgage mold. UHM offers alternative financing options, including Bank Statement, 1099, DSCR, Asset-Based, Doctor, and Jumbo loans.
Whether you're self-employed, investing in real estate, or have unique financial circumstances, let's explore your options!
Refinancing & Home Equity
Specialty Mortgage Programs
Specialty Mortgage Programs
Rate-and-Term Refinance
Looking to adjust your mortgage? Refinancing may allow you to change your loan term, interest rate, or monthly payment based on your financial goals and current market conditions.
Cash-Out Refinance
Put your home's equity to work. A cash-out refinance allows qualified homeowners to access a portion of their equity for home improvements, debt consolidation, or other financial needs.
Home Equity Line of Credit (HELOC)
A HELOC allows qualified homeowners to access available home equity through a revolving line of credit. It's a flexible financing option for eligible expenses while keeping your existing first mortgage in place.
3.5% down payment example for a 30-year fixed-rate FHA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.667%, final principal and interest payment $1,829.84. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.
3% down payment example for a 30-year fixed-rate Conventional loan: Total sales price $300,000, down payment $9,000, loan amount $291,000, interest rate 6.5%, Annual Percentage Rate (APR) 6.667%, final principal and interest payment $1,839.32. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.
Let's Find the Right Mortgage for You
Whether you're buying your first home, exploring refinancing, or looking for a financing solution that fits your situation, The Duke Team is here to help you understand your options and take the next step with confidence.
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800-767-4684 NMLS #2229 - All Rights Reserved.
NMLS #2229, NMLS Consumer Access website:
www.nmlsconsumeraccess.org. Union Home Mortgage
Corp. is an Equal Housing Lender. Loans are available on a fair and equal basis regardless of race, color, national origin, religion, sex, handicap, marital status, familial status (having children under the age of 18), age (if old enough to enter a contract), because income is from public assistance, or because a right was exercised under the Consumer Credit Protection Act.
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