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Not all home loans are the same. Explore your options.
Perfect for customers looking for a stable monthly principal and interest payments that don't change.
- Competitive rates and closing costs
- Predictable monthly payments
- 15- or 30-year mortgage loan options
The ideal option for building your dream home.
- One and two-time construction loan options
- Up to 90% loan-to-value (LTV)
- Rate discount available
- Easy builder review process
Rates are dropping and refinancing could help you save.
- Secure a lower interest rate
- Lower your monthly payment
- Pay your mortgage off sooner
A great option when you're looking for a lower interest rate to start.
- Low, fixed interest rate for 3-10 years before adjusting
- Rate caps to help limit monthly payment increases
- 10/1 and 7/1 ARMs available
An affordable option ideal for first-time homebuyers or those who are still building their financial background.
- 100% financing available
- Lower credit score requirements
- No down payment for qualified borrowers
- No mortgage insurance required
- Rate discount available
A government-backed loan with low down payment requirements.
- Down payment as low as 3.5%
- Qualify with a credit score of at least 620
- Applicable to fixed and adjustable rate mortgages
Home financing for those who have served our country.
- No down payment required
- Interest rates typically lower than standard rates
- No mortgage insurance required
- No pre-payment penalties
Over 90% of our Home Loans customers agree that our team delivered
excellent support throughout their application process*
Here's how our customers describe their mortgage experience...
"Our loan officer was the best part of this process. We truly enjoyed working with Atlantic Union Bank."
- Sean B.
"Exceptional experience with Atlantic Union Bank! Went the extra mile and helped us get our home purchased quickly and easily!"
- Robin S.
"I really enjoyed the experience and professionalism. My questions were answered and I felt at ease with the final decision."
- Leslie J.
Ready to apply today?
looking to enhance your current Home?
Home Equity Line of Credit
With a lower interest rate than most credit cards, the flexibility to borrow as much or as little as you need and a quick turnaround time, a Home Equity Line of Credit (HELOC) can help you use your home’s equity in the way that’s best for you.
STAR Home Equity Line of Credit**
Do you need to finance unexpected costs? The STAR (Steps Towards Achieving Results) Home Equity Line of Credit** could be your ideal option.
Disclosures
*Based on Atlantic Union Bank's customer satisfaction survey data in 2025.
This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approvals. Terms, rates, data, programs, information and conditions are subject to change without notice. Not all loans or products are available in all states. Specific program restrictions may apply, so please consult your dedicated Mortgage Loan Officer for complete details.
Payment example: on a $250,000 home with 80% financing and a 15-year fixed-rate loan at 6.25%, the monthly payment would be $1,714.85. The Annual Percentage Rate (APR) would be 6.529%. This example does not include an escrow account for taxes and hazard insurance. Actual payment obligation will be greater if an escrow account is established.
Payment example: on a $250,000 home with 80% financing and a 30-year fixed-rate loan at 6.50%, the monthly payment would be $1,264.14. The Annual Percentage Rate (APR) would be 6.671%. This example does not include an escrow account for taxes and hazard insurance. Actual payment obligation will be greater if an escrow account is established.
**The Steps Toward Achieving Results (STAR) Home Equity Line of Credit is available to Virginia, North Carolina, DC and Maryland residents with primary single family residences located in a low to moderate income census tract and/or have an income below 80% of the median income for that tract as identified by the U.S. Census Bureau. All loans are subject to credit approval. Bank must be in a valid first or subordinate lien position on the collateral. Property insurance and flood insurance, where applicable, will be required. Please consult with a tax advisor regarding interest deductibility. Certain conditions and restrictions may apply.