Smart Financing with Flexible Options
Looking for a mortgage that fits your lifestyle and long-term financial goals? A Conventional Loan might be your best choice. With flexible terms, competitive rates, and options to match your unique needs, it’s a great way to make homeownership simple and sustainable.
Why Choose a Conventional Loan?
Conventional mortgages are a popular choice for borrowers with steady income and good credit who want freedom in how they finance their home. These loans are not backed by the government, which means fewer restrictions and more room to tailor your mortgage to your plans.
Prefer predictability? A fixed-rate mortgage keeps your monthly principal and interest payment steady for the entire term of your loan. It’s perfect for those who like consistency and long-term planning peace of mind.
Fixed-Rate Mortgages
Looking for flexibility and potentially lower initial payments? An ARM offers a lower rate for the first few years before adjusting with market conditions — ideal if you plan to move or refinance down the road.
Adjustable-Rate Mortgages (ARM)
Prefer predictability? A fixed-rate mortgage keeps your monthly principal and interest payment steady for the entire term of your loan. It’s perfect for those who like consistency and long-term planning peace of mind.
Flexible Term Lengths
Who It’s For
Homebuyers with established credit and stable income
Borrowers looking for low overall borrowing costs
Homeowners ready to refinance into better terms
Anyone seeking long-term stability or short-term flexibility
Why Work with Derek Adair and Union Home Mortgage
Personal Guidance
You’re never just a number. Derek takes time to understand your goals, explain your options, and help you choose the loan that makes the most sense for your future.
Experience You Can Trust
With years of expertise in home financing and an extensive network of resources, Derek has helped countless homebuyers close confidently and quickly.
Streamlined, Transparent Process
Our process is simple, organized, and communication-driven — from pre-approval to closing, you’ll always know what comes next.
Streamlined, Transparent Process
Our process is simple, organized, and communication-driven — from pre-approval to closing, you’ll always know what comes next.
Ready to Get Started?
Your dream home is waiting — and the right mortgage can make it possible. Let’s explore your conventional loan options together.