Helping you with all your home loan needs.
The Micham Group works with Union Home Mortgage to help get you the financing you need to get the home of your dreams. Looking for a better rate? We can help with all of your refinancing needs as well.
LOANS
Conventional Loans
Mortgage loans with less restrictions and a variety of term options to choose from.
What did you like best about your experience?
I didn’t think I would be able to get the loan, Mr. Micham’s positivity & honest approach was the best !!!
Totally respected him.
Fixed-Rate Loans
Easy to budget for. Fixed monthly principle and interest payment with this option. This rate will stay the same for the life of the loan.
The benefits to a Fixed-Rate Mortgage include:
- Peace of mind knowing that your payment will not change
- Easy to understand – Nothing complicated
- Flexible terms to choose from
Adjustable Rate Mortgage
You can generally get a lower rate than a fixed-rate for an initial period, then the rate will adjust based on the market rates.
The benefits to an Adjustable-Rate Mortgage (ARM) include:
- Lower interest rate for the initial period
- Flexible terms to choose from
- An ARM loan offers a fixed payment for a certain amount of time before the interest rate adjusts.
USDA Loans
No down payment mortgage for rural homebuyers.
The benefits to an USDA Loan include:
- No down payment for qualified buyers
- Comparable rates to FHA and conventional loans
- The seller can contribute up to 3% toward your closing costs
FHA Loans
Federally insured loans with low down payment options and less stringent credit requirements.
The benefits to an FHA Loan include:
- Low down payment required for purchase
- Less than perfect credit? FHA offers flexible credit requirements.
- The seller can contribute up to 6% of your closing cost or use gift money
VA Loans
Loans for qualified veterans and active duty service members.
The benefits to an VA Loan include:
- Little to no down payment available for qualified buyers
- No PMI is required
- Qualified borrowers can refinance their VA loan into another VA loan or another type of loan into a VA loan.
Refinancing
Replace your existing loan with a new loan that aligns with your specific goals.
The benefits to a refinancing include:
- Pay off your mortgage faster by getting into a shorter term loan
- You may be able to finance your closing costs and not have to pay them at close
- Convert home equity into cash for things you’d like to do
