You’ve found your dream home—congratulations! Now comes one of the most important decisions in your homebuying journey: choosing the right mortgage. For most buyers, the choice comes down to a 30-year fixed-rate mortgage or an Adjustable Rate Mortgage (ARM). Let’s break down the pros and cons of each, and how Union Savings Bank’s expert loan officers can help guide

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

Building your dream home should be exciting—not stressful. Yet, for many, the financing process can feel like a maze of hidden fees, rigid rules, and frustrating delays. That’s why Union Savings Bank has reimagined the construction-to-permanent loan to make it simpler, smarter, and more supportive for borrowers, builders, and real estate professionals alike. What Makes Our

Homeownership in of itself is a wonderful personal and financial achievement for many. Not only is there a sense of pride in owning your home, but you usually will have made a great investment for you and your family. But did you know you can also put that investment to work to achieve your other

Buying your first home  is a significant personal and financial accomplishment. And while there are many fun and exciting changes to your life that come with this milestone, there are also critical plans and adjustments you need to make regarding your finances that you should attend to in those initial days and weeks in your

One of the biggest obstacles to buying a home – especially your first home – is coming up with the down payment. Many financial advisors, much of the media and even mortgage calculators on popular real estate websites often default to the notion that 20% down is the traditional amount one should have on hand

Every year, local banks across the country mark a day in late April with their annual “Teach Children to Save” day. And since 1997, 11.1 million young people have participated in bank-held presentations, lessons and workshops aimed at making kindergarten through 8th graders more savings and financially savvy. Teach your children to save programs focus

With the March-to-June prime home buying and selling season just around the corner, you might be thinking about whether or not this is the year you become a homeowner. Buying a home is a big decision, and there are many factors to consider before taking the plunge.  First thing to decide is if you are

Whether it’s been a matter of months since you said “I do” or you’re celebrating decades of matrimony, you may find that discussing money with your partner can still be a little uncomfortable. Even if you talked about your finances before getting married, money can remain a difficult subject for many couples as their lives,