Michael Muñoz
Senior Loan Officer
Union Savings Bank
NMLS #2900849
Free · 20 seconds · No sign-up
What home can you afford?
Three numbers and you’ll see your price range. First home or next home.
Your price range appears here as soon as all three are filled in.
Estimate only, not a pre-approval or an offer to lend. Assumes a 30-year fixed loan at an interest rate of 7.24%, the Freddie Mac national average for the week of Oct 29, 2026 (not a Union Savings Bank rate quote). The APR would be higher once loan costs and any mortgage insurance are included. Payments shown include principal, interest, property taxes and insurance (about 2% of the price per year) and leave out mortgage insurance and HOA dues. Price and income ranges assume total monthly debts of 36% to 45% of income. Your actual rate, APR, payment and approval depend on your credit, property and program.
Rather talk it through?
You get me, a real person, from the first question to the closing table.
How I can help
Your first home
FHA, VA and first-time buyer programs, plus down payment assistance where you qualify. I walk you through every step.
Your next home
Buy before you sell: our Blanket Loan lets you make a strong offer without waiting on your current home to sell.
Building
Construction and lot loans that carry you from the lot to move-in day.
Self-employed or unusual income
Portfolio loans we keep and service here, with common-sense underwriting when the usual boxes don’t fit.
Opens Union Savings Bank’s secure application.
Watch and follow
Short videos: what homes really cost, programs, and how to get there.