Personal Loans

Life doesn’t wait, and neither should your plans. Whether you’re building, buying, or refinancing, we offer flexible lending solutions with competitive rates and personal guidance every step of the way. 

 

 

 

Residential Construction Loans: Build With Confidence 

From the ground up, we’ll help you finance your new home with structured funding designed around your building timeline. 

  • Funds disbursed in phases as construction progresses 
  • Competitive rates 
  • Local decision-making 

  • Guidance from application to final inspection 
 

Home Equity Line of Credit (HELOC): Turn Your Home’s Equity Into Opportunity

You’ve built value in your home. Now use it to your advantage. A Home Equity Line of Credit (HELOC) gives you flexible access to funds with competitive rates, so you can move forward with confidence. 

A flexible line of credit that lets you borrow against your home’s equity as needed, up to your approved limit. Ideal for ongoing projects or expenses, with funds you can access during the draw period. 

  • Competitive rates starting at Prime 
  • 10-year term 
  • Lines available up to 80% LTV 
  • Limited or no closing fees 
  • Personal guidance from our dedicated team members 

HELOC SPECIAL: 10-Year term, Prime – 1% Annual Percentage Rate (APR) on 1st mortgage HELOC. 

Let’s Find The Right Solution For You

Every borrower’s situation is different. Our lenders take the time to understand your goals and help you choose the option that fits best. 

For more information, please call Toll Free 855-668-6872 to talk to one of our team members.

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It is very important that you do not include any sensitive information such as account numbers, account information, passwords and/or usernames in the contact section provided below. Should you have specific account questions, please contact your local UnionState Bank office, or you can contact us at 1-855-468-6872.