Call us: (910) 587-8619
powered by Union Home Mortgage
Call us: (702) 575-1041
"Empowering Home Buyers Through Home Ownership."
VA LOANS EXPERTS
WE LOVE TROOPS
GET INTO YOUR DREAM HOME
VETERANS SERVING VETERANS
A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). Conventional loans can be conforming or non-conforming.
A construction loan is usually a short-term loan that provides funds to cover the cost of building or rehabilitating a home. In general, construction loans have higher interest rates than longer-term mortgage loans used to purchase homes
The FHA Loan is for a home purchase or refinance, including manufactured homes. The FHA is insuring the lender against loss. FHA loans were created by the Federal Housing Administration, and offered through approved lenders. An FHA mortgage is guaranteed by the Federal Housing Administration
Get INVOLVED in the community!
Why Choose Us for Home Loans?
Getting home loans can be really hard.
Especially when you're trying to do it ALL by yourself.
You have to keep track of all your information, and even harder to know what you should be focusing on, while filling out countless forms and waiting for approval from different financial institutions.
Synergy Squad makes the home loans process simple, helping you save time and effort. We give the most effective solutions & a team that cares!
WHAT OUR CLIENTS THINK
"My wife & I had such a great experience using Union Home Mortgage for our refinance. Caitlin & Flint were superstars and we highly recommend using them for your mortgage needs. We look forward to working with them again in the future!
- Robert G
"I had a first class experience with Union Home Mortgage. They had great rates, amazing customer service and outstanding communication through to closing. They even sent us a welcome home gift after closing. We couldn't have been happier with our experience!"
- Michael A
"Caitlin was very kind, attentive and personable. I felt comfortable that she would work wonderfully with my Agent and help us smoothly through the process. Caitlin and her team made the process very easy! Everything was quick and all of my questions were always answered quickly."
- Jeremy G
LOAN PROS YOU CAN TRUST
PIECE OF MIND YOU'RE GETTING THE BEST VALUE
We get you the best rates so you can buy your home with confidence.
EXTENSIVE KNOWLEDGE & RESOURCES
This means you get the best possible mortgage for your needs.
EXPERIENCED PROFESSIONALS THAT CARE
Our team of people-focused mortgage brokers are experts in getting you a great loan.
Branch manager and fearless leader of Synergy Squad, Caitlin has just under a decade of mortgage loan experience as a Loan Officer. Backed by her 10 years of military service in the Army, Caitlin mastery of service for home buyers and agents is unparalleled
You Deserve the Home of Your Dreams!
Documents RequestedYou will be provided a list of documents required. We have multiple ways of collecting/uploading. Whichever way is most convenient for you. The sooner the better, so we can review in detail prior to processing.
First Payment – When is it due, and how do I pay?Your first payment due date is determined once a closing date has been agreed on. Typically, you'll receive via snail mail a letter with online directions prior to your first payment. As a secondary, my team sends out an email 5 days prior with your new servicing account number and website details. Don't stress; we'll make sure you have everything needed.
Mortgage Payment - PITIPL- This is your mortgage payment based on the loan amount and locked interest rate. Once locked and closed, this amount will never change. TI- Taxes and Insurance - this is determined by the property address and county bill: we collect 1/12th of the payment monthly and save it for you (*see Escrow). UHM. then pays both bills annually
Homeowner's InsuranceDuring the process we will help you shop and set up your required hazard insurance. You can choose any company you would like; keep in mind that the annual premium will affect your monthly payment and total closing costs.
Fees Owed$875 will need to be pre-paid once you have an accepted offer. This is collected via debit/credit card. The fee goes toward your credit report fee and appraisal fee. Both items are included in the total amount of closing costs and will be deducted from what is owed at closing.
Escrow AccountThis is a savings account we hold for you that collects your monthly taxes and insurance. We start a “cushion" at closing and then pay your bills owed annually.
Licensed in: Nevada, Florda, North Carolina, California, Washington
ALTERNATIVELY YOU CAN FILL IN THE FOLLOWING CONTACT FORM: