Munoz Loans
First home or next home, let’s make it simple.
Michael Muñoz, Senior Loan Officer at Union Savings Bank. See what you can afford, then apply in about 10 minutes.
The application opens Union Savings Bank’s secure site.
What can I afford?
Three numbers, about 20 seconds. Nothing is saved or sent.
Estimate only, not a pre-approval or an offer to lend. Assumes a 30-year fixed loan at 7.24%, the national average from Freddie Mac as of Oct 29, 2026 (not a Union Savings Bank rate quote), property taxes and insurance at about 2% of the price per year, and total monthly debts at 36% to 45% of income. Mortgage insurance, HOA dues and your credit are not included. Your actual rate, APR and payment will vary.
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.
Watch and follow
Short videos: what homes really cost, programs, and how to get there.