Get a mortgage you can rave about

Helping homebuyers in MI, FL and TX find the perfect loan — with clarity, care, and confidence.

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Meet Derek Adair

Your trusted mortgage partner for every stage of homeownership.

With years of experience helping families and individuals navigate home financing, I’m dedicated to making the mortgage process simple, transparent, and stress-free. Whether you’re buying your first home, refinancing, or building new, I’ll work to find the best solution for your unique goals.

Professional headshot of Derek Adair, Mortgage Loan Officer at Union Home Mortgage

Based in Rochester, MI

NMLS #2012353

Licensed in MI, FL, TX

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Every homebuyer has a different story. Let’s match you with the loan that fits yours.

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Mortgage Products

Let’s Match Your Needs with the Right Loan

Explore a variety of loan options designed to fit your goals, budget, and lifestyle. Whether you’re buying your first home, refinancing, or building from the ground up — we’ll help you find the perfect mortgage solution.

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Conventional Loans

Ideal for borrowers with solid credit and a stable income, conventional loans offer competitive rates and flexible terms to fit your financial plan.

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USDA Loans

With zero down payment and favorable terms, USDA loans make it easier to purchase a home in eligible areas outside city limits.

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FHA Loans

Enjoy smaller down payments, more forgiving credit requirements, and often lower interest rates — making homeownership more attainable.

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Rehab Loans

Combine the cost of purchasing and renovating your home into one convenient loan — ideal for properties that need a little extra love.

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VA Loans

Designed for U.S. military members, veterans, and eligible spouses, VA loans feature low to no down payment and no private mortgage insurance (PMI).

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New Construction Loans

Get financing tailored for custom home construction, from breaking ground to move-in day — with expert guidance every step of the way.

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Testimonials

  • Derek Adair was an excellent lender!! He explained each step of the process of the loan re-fi and explained everything to me answered all my questions. He is very personable and very knowledgeable. I would recommend him for all your loan needs!!!

    —Barbara H

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  • Derek has been amazing thru the process of us buying our home here in Michigan about a year ago. When rates dropped for VA, he reached out right away to help us refinance to the lower rate. I wholeheartedly recommend Derek for all your mortgage needs!

    —Jaime F

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  • Derek was so helpful throughout the entire process. As first-time homebuyers, the process was entirely foreign to us, and he took the time to explain and re-explain everything to us so we felt comfortable. He also made himself available morning, noon, night and even midnights a couple times. So grateful for him, his professionalism and extremely helpful customer service.

    —Kady H

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  • Five stars truly is NOT ENOUGH to express our satisfaction. This was our second home purchase Derek was our loan officer for. He truly goes above & beyond what is expected of him. Made himself available any time, any day for questions or concerns. We recommend him to anyone and everyone. You will NOT regret it!

    —Ashley B

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  • It was an absolute pleasure to work with Derek. He made sure we understood the entire process from start to finish and were confident in our decisions. He made finding our first house enjoyable. It was like working with family.

    —Cristen T

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  • Derek Adair was outstanding throughout my entire home loan process. From day one, he was professional, responsive, and truly went above and beyond to make everything smooth and stress-free. He took the time to explain each step clearly and made sure I felt confident with every decision. I highly recommend Derek to anyone looking for a trustworthy and dedicated loan officer. Thank you for helping make my homeownership dream a reality!

    Socotra I

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