In today’s fast-paced housing market, one thing can make or break a buyer’s confidence: rate stability. Whether you’re a first-time homebuyer or a seasoned real estate professional guiding clients through the process, understanding how mortgage rates are set—and how they fluctuate—can be the key to a smoother, less stressful transaction.

The Reality of Rate Volatility

Most residential mortgage lenders sell their loans shortly after closing. Even if they continue servicing the loan, they no longer hold a financial stake in it. Because of this, their mortgage rates are tied to what investors are willing to pay for those loans—meaning rates can change daily, sometimes multiple times a day.

This constant repricing can feel like a roller coaster for buyers trying to lock in a rate while navigating inspections, appraisals, and closing timelines. It adds uncertainty to an already complex process.

Union Savings Bank: A Portfolio Lender with a Steady Hand

At Union Savings Bank, we do things differently. We’re a portfolio lender, which means we don’t sell your loan—we keep it on our balance sheet as an investment. This gives us the ability to set rates based on our cost of funds, not the whims of the secondary market.

What Does That Mean for You?

• More stable rates: Our rates typically change less in a year than other lenders’ rates do in a week.
• Less stress: You won’t need to monitor the market like a bond trader.
• Greater confidence: You can focus on finding the right home, not timing the rate lock.

Personalized Guidance from Mortgage Professionals

At Union Savings Bank, we believe that buying a home should be exciting—not anxiety-inducing. That’s why our experienced mortgage professionals are here to guide you through every step of the process. We’ll help you understand your options, lock in a stable rate, and move forward with confidence.

Whether you’re a buyer or a realtor helping clients navigate financing, our team is ready to provide clear, consistent, and personalized support.

Let’s Talk

Ready to experience the difference that rate stability can make? Call Union Savings Bank today and speak with a mortgage professional who puts your peace of mind first. Learn more.

 All loans are subject to credit approval.