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Financing that fits you goals and lifestyle
Building your new home with UnionMain Homes is a milestone worth celebrating. Choosing the right mortgage partner can make the process even more rewarding. At UMH Mortgage, we take pride in helping UnionMain buyers find financing that fits their goals and lifestyle—making the path to homeownership smooth and stress-free.
Why Work with UMH Mortgage
As the preferred lender for UnionMain Homes, we understand their building process—down to the details. Our team collaborates directly with UnionMain’s sales and closing departments, ensuring your financing stays on track from start to finish. Here’s why so many homebuyers trust UMH Mortgage:
- Seamless Coordination – We work hand in hand with UnionMain’s teams to keep everything aligned.
- Faster Closings – Our familiarity with UnionMain’s systems helps avoid delays and last-minute surprises.
- Competitive Rates – We offer mortgage programs that suit a wide range of buyers and budgets.
- Personal Guidance – From pre-approval to move-in day, our loan officers are with you every step of the way.
Your Roadmap to Homeownership
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Which loan is best for you?
Here is a simple guide to help you understand the general types of mortgage loans available.
Conventional Mortgage
This is your standard bread-and-butter mortgage. It’s the most popular type of mortgage out there, and for good reason. It’s simpler than many other loans, your interest rate stays the same, and you have an option between 30-year and 15-year terms.
FHA Mortgage*
If your credit score is lower, an FHA mortgage might just be the answer. Insured by the Federal Housing Administration, these loans are available to people with lower FICO scores and down payments as low as 3.5 percent. FHA loans are especially popular among first-time buyers. In recent years, nearly half of first-time home buyers used an FHA loan.
USDA Mortgage
The USDA’s Rural Development program helps low-to-moderate income home buyers in certain areas secure an affordable mortgage. Eligible home buyers can secure a mortgage with as little as $0 down.
While borrowers must have mortgage insurance, USDA loans feature relatively low interest rates, and the program is popular among first-time home buyers.
VA Mortgage*
Backed by the Department of Veterans Affairs, these mortgages relax the restrictions of conventional mortgages for members of the armed forces, both current and former.
Eligible applicants can secure low-interest loans, often without a down payment, and closing costs are generally lower for VA loans.
First-Time Home Buyer Programs
Buying your first home is exciting—but it can also feel overwhelming. At UMH Mortgage, our first-time home buyer programs are designed to make the process simple, clear, and affordable. From low down payment options to personalized guidance from local loan experts, we’ll help you understand your choices and move forward with confidence.
Other
Fixed-Rate Mortgage
Adjustable-Rate Mortgage (ARM)
Jumbo Mortgage Loans
GNMA (Ginnie Mae)
FNMA (Fannie Mae)
USDA (United States Department of Agriculture) Rural Housing
Community Home Buyer Programs
Extended Lock Options
Buy-down Options Available
Primary Residency, Second Home, and Investment Property
The UMH Mortgage Difference
Buying a UnionMain home is a big step—one that deserves a mortgage partner who values your time, trust, and future. At UMH Mortgage, we focus on open communication, fast approvals, and personalized service from day one.
We’re committed to helping every UnionMain buyer make confident decisions and enjoy a smooth, stress-free path to homeownership.
