Current Rates

Personal Loans

Eric Czarnecki Assistant Vice President

Eric Czarnecki
Direct Line: 608-366-2020
Assistant Vice President - NMLS #284134


Mortgage Loans        Apply Now

Union Bank of Sparta offers you a variety of home mortgage products including:

 Homestyle Renovation®

You find a house, WHEDA will help you make it a home. WHEDA understands that not every home is move-in ready.  It can be difficult to find a house within your budget, that meets your needs, and that you can call "home."

Features and Benefits:

  • Enables you to buy and renovate a home utilizing a single mortgage
  • All costs associated with your renovation - including six months of mortgage payments if you are unable to occupy your home during renovation - can be financed
  • Six months after closing to complete the renovation work
  • Up to 100% financing for eligible borrowers

Program Requirements:

  • Owner-occupied primary residence only
  • 30-year fixed first mortgage can be utilized with WHEDA down payment assistance
  • All standard WHEDA income and credit guidelines apply
  • Loans serviced by WHEDA's first rate Servicing Department
 Mortgage Advantage

  • Low cost, 30-year fixed interest rate
  • Down payment and closing cost assistance
  • A mortgage tax credit
Freddie Mac
  • Fixed-Rate Mortgages
    Experienced real estate lenders can provide various real estate loan options.
    Union Bank of Sparta can assist you with the refinance of your existing mortgage to take advantage of changing rates.

Consumer Loans

At Union Bank of Sparta you will receive a quick response to your loan request. Contact our qualified loan officers to review your lending needs.

  • Automobile Loans - We offer competitive rates and payments to fit your budget.
  • Recreational Vehicle - Let us help you finance that motor home, motor cycle, snowmobile, or ATV.
  • Debt Consolidation Loans - Consolidate those small loans and credit card bills into one easy payment.
  • Personal Loans - We have loans available for vacations, those unexpected emergencies or other personal expenses.
  • Home Improvement Loans - Home maintenance is always necessary. We can help you obtain the funds needed.

Apply Now


Click here for Business Loans.