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Lending

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Personal

Lending

Lending made for you.

Fixed-rate, adjustable, equity-based, and refinancing options built to fit your financial goals.

Featured Lending Programs

First Time Home Buyer’s Program

  • 0.25% off the published interest rate
  • Reduced application fee

DreamStar Mortgage

  • Up to 0.500% off published rate
  • Lender credit toward closing costs
  • Low down payment options
  • Fast refinance turnaround

Speak with a Lending Specialist: 973-585-3181 or mortgage@unioncountysavings.com .

Purchase

Purchase

Buy your first home, vacation home, or investment property.

Apply Here
Refinance

Refinance

Refinance your home for a better rate, term, or to access equity.

Apply Here
Fixed Rate Home Equity

Fixed Rate Home Equity

Borrow using your home’s equity with predictable monthly payments.

Apply Here
HELOC

HELOC

A flexible line of credit for ongoing projects and larger expenses.

Apply Here

Already started an application?
Return to the Borrower Portal below.

Borrower Portal

For 4-unit+, commercial, or LLC-held properties, contact 973-585-3181 or mortgage@unioncountysavings.com.

Pending Winter Storm: Please plan ahead and complete any urgent banking needs early. If branches are affected, you can still access your accounts via Online Banking, Mobile Banking, and ATM access using your UCSB debit card. Please check our website for updates regarding branch operations.
All branches will be closed on Monday, May 26th, in observance of Memorial Day.
Learn more