Person signing a document



Lending made for you.

Whether you need help purchasing a home, are looking to refinance, or want assistance with debt consolidation or home improvements, or you need funds for another major purchase, Union County Savings Bank offers a range of lending solutions to fit your needs.

First Time Home Buyer’s Program

  • 0.25% off the published interest rate
  • Reduced application fee
  • Must not have owned a home in the last 3 years

DreamStar Mortgage

  • Up to 1.00% off the published interest rate
  • Lender credit toward closing costs for low- and moderate-income borrowers
  • Low down payment options for home purchases
  • Quick refinance turn-around times

Check out our current loan programs and interest rates here. To learn more, please contact a Lending Specialist at 973-585-3181 or mortgage@unioncountysavings.com.

Once you’re ready to apply, please click one of the links below to start the application process.


If you’re buying your first home, a vacation home, investment property, or just looking
to make a move.


If you’re looking
to refinance your home
for a different
rate or term.

Home Equity

If you need to use some of the equity in your home
but want to rely on a fixed monthly payment.

Line of Credit

If you’re not sure
how much you’ll need for a project or want to have some reserves on hand.

Already started an application or need to send us documents?
Click below to return to the Borrower Portal.

If your property will be more than 4-units, a commercial property, or held in an LLC, please contact us at 973-585-3181 or mortgage@unioncountysavings.com to speak with a Commercial Lending Specialist.

Visit our rates page for rate information details.