Found a great house that’s a little ruff? We can help

Let’s set the scene: You’ve been scouring online real estate listings and think you’ve found the perfect home… but you hate the kitchen. Or it needs a new roof? Or, worse, it needs a new septic system. First of all, close out the Zillow app and give your favorite real estate professionals and dog lovers a call.

Everyone knows the market is shifting, and if you’re in the market for a new home, this can definitely work to your advantage. We are partnering with a local lender on this exclusive creative program that can help you turn that really great home into your perfect home!

Program highlights include:

  • Little to no cash out of pocket!
  • Finance needed repairs up to 100% of the “to be” appraised home value
  • Closing costs may be rolled into the loan
  • Non-structural repairs up to $35,000
  • Structural repairs greater than $35,000
  • Repair or installation of septic system
  • Garage additions and updates to kitchens, bathrooms, floors, exterior siding, etc.

Program Requirements & Limitations:

  • Owner-Occupied Single-Family residence
  • Located in an eligible rural area defined by USDA
  • 620+ Credit Score
  • 30-year Fixed Rate
  • Existing homes must be at least one year old
  • Contractor(s) must be approved by Union Home Mortgage (
  • No cash back to borrower
  • Household income limits
  • Debt-to-income ratio limitations
  • Excludes new inground pools, hot tubs, or saunas
  • Excludes income producing properties
  • Unable to convert barns, etc., to a residence

Sounds amazing, right? Want to know more? Take a minute and fill out this simple form and we will get you all of the information you need to find out if this program is right for you:

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