Welcome former American National Bank customers. Click here to learn more about your transition to Atlantic Union Bank.

Mortgage Products

Not all home loans are the same. Explore some of the options we offer.

Atlantic Union Bank Home Loans

Adjustable Rate Mortgages

An Adjustable Rate Mortgage from Atlantic Union Bank can help lower your monthly payment for the first 3 to 10 years when you’re buying or refinancing a home. Then, rates are adjusted over time until the loan is paid off.

Certified Buyer Pre-Approval Program

Become a Certified Buyer when you’re ready to start looking for a home, this way you can make an offer with the confidence of already being approved.

Federal Home Loan Bank (FHLB) Grants

At Atlantic Union Bank, FHLB offers two grants designed for qualified borrowers who need extra assistance.

FHA Loan

Get more flexibility compared to a conventional mortgage with an FHA Loan through Atlantic Union Bank. Our loan experts will guide you through the application process and help you find a place of your own before you know it.

Fixed Rate Mortgages

Fixed-Rate Mortgages from Atlantic Union Bank are great if you want to avoid the risk of rates rising in future years. It’s a good feeling to know you can predict your monthly housing payments.

Lock-and-Shop Program

Shopping for your dream home but worried about where the interest rate will be when you have a contract? Check out our Lock-and-Shop Program.

Real Estate Construction Loans

Real Estate Construction and Development Loans from Atlantic Union Bank take you from lot purchase to construction and into a mortgage.

STAR Portfolio Loan Program

There are many loan programs for homebuyers. Still, we started our own to get you the results you need. The The Steps Toward Achieving Results (STAR) Loan Program from Atlantic Union Bank is designed to make owning a home an affordable reality.

USDA Home Loan

The USDA Loan from Atlantic Union Bank helps low-to-moderate income rural home buyers.

Veterans Administration Loan

It’s not enough to say, “Thank you for your service.” We're dedicated to addressing your home financing needs. The VA Home Loan Program through Atlantic Union Bank offers 15 and 30-year fixed-rate loans to current and former military personnel.


It can be hard to come up with the money to buy your first home, and we understand that. Virginia Housing offers an array of special rates and loan programs for first-time homebuyers to make homeownership more affordable.

Atlantic Union Bank (NMLS# 551889) is registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Visit www.nmlsconsumeraccess.org.

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