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401 N. Coast Highway, Oceanside, CA 92054
Wednesday — Sunday, 11am to 5pm
Monday & Tuesday, By Appointment
* IMPORTANT INFORMATION ABOUT THE UNION BANK® ECONOMIC OPPORTUNITY MORTGAGE® LOAN:
Loans subject to credit and collateral approval. Financing available for collateral located in CA, OR, or WA. Restrictions may apply. Terms and conditions subject to change. You may be eligible for the Union Bank® Economic Opportunity Mortgage (EOM) program if either your property is located in a designated census tract, or your annual household income meets certain income limits for the county where your property is located. Loan amounts available on 1-unit properties up to $424,100 for refinance transactions and up to $500,000 for purchase transactions. In certain high-cost counties in CA and WA expanded loan amounts may be available. Property must be owner-occupied. On purchase transactions and no-cash-out refinances, 97% financing is available on single-family residences (excluding manufactured homes), PUDs, and condominiums; 90% financing is available on manufactured homes and 2-unit properties; and 80% financing is available on 3-4 unit properties. On cash-out refinances, 80% financing is available on 1-2 unit properties, and 75% financing is available on 3-4 unit properties. Minimum credit score requirements apply for loans over 90% LTV and loans greater than $417,000. Mortgage insurance is not required for loans exceeding 80% LTV. A non-refundable $550 application fee is required.