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Stitched together from Alvarado and Decoto in 1959, Union City still shows two old centers that feel nothing like the tracts built around them.
Explore mortgage options in Union City, Alameda County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Between Fremont and Hayward, tracked against both
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The older of the two founding towns, with the smallest lots and the most history per block.
The corridor toward Fremont is lined with schools and family housing.
Newer subdivisions on the east side offer modern floor plans and short walks to parks.
The main commercial street runs north to south, convenient and busy in equal measure.
Streets wrap the city park, popular with families for the fields and the pool.
Condos and townhomes stand on the site of the old Alvarado sugar refinery.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Buying a home in Union City starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Alameda County anchors this corner of the Bay Area's housing market, and Union City reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Union City span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Union City borrowers frequently compare options against nearby communities such as Alameda, Albany, Berkeley.
Updated 9/27/2026
Alameda Ca Union City is updated daily with practical mortgage guidance for this page.