STAR Portfolio Loan Program

Steps Toward Achieving Results (STAR)

Buying a home is a big financial step. That's why we'll guide you every step of the way. We're here to answer questions, provide advice and help you reach your financial goals, now and down the road.

We have a unique portfolio lending program, called STAR: Steps Toward Achieving Results. It was designed with you in mind - to make owning a home an affordable reality. With features to help you save money and low to no down payment requirements, it could be just the "star" you wished upon.


  1. Take the first step
    No-cost pre-qualification consultation with your mortgage officer
  2. Unique to the market
    Up to 100% financing with a standard 30 year fixed-rate term (100% loan-to-value available with credit score > 700)
  3. Save money
    No mortgage insurance required
  4. Open the doors to your new home sooner
    On average, our STAR program reaches closing faster than typical government-sponsored first time home-buyer programs

Get Started

Must be owner occupied primary residence purchase only. Minimum credit score > 600 required. Maximum income limits apply. $300,000 maximum loan amount. Counseling required and borrowers must provide certificate of completion within 12 months by a Union Mortgage Group recognized counseling program prior to loan closing. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Other restrictions may apply. Information and/or data is subject to change without notice. Not all loans or products are available in all states.

Branch Locator

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Mortgage Terms

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Mortgage Resources

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Union Mortgage Group
Mailing Address:
P.O. Box 940
Ruther Glen, VA 22546