Declan Hartnett - Mortgage Banker

Declan Hartnett - Mortgage Banker Born and raised in Chicago, I am passionate about helping people build wealth with home ownership.

Declan Hartnett is licensed to originate loans in the state of IL | NMLS #1679954
United Home Loans is an Illinois Residential Mortgage Licensee | NMLS #207546

*This is not a commitment to lend.

02/26/2026

And hereโ€ฆ weโ€ฆ.goโ€ฆโ€ฆ

๐Ÿก for the Holidaysโ€ผ๏ธ๐ŸŽ„So happy to our purchase clients who are about to spend their first holiday season in their new hom...
12/22/2025

๐Ÿก for the Holidaysโ€ผ๏ธ๐ŸŽ„

So happy to our purchase clients who are about to spend their first holiday season in their new homes. โค๏ธ

โ€”โ€”โ€”

Thinking about making a move in 2026? You know who to call!

Declan Hartnett | VP Mortgage Banking
United Home Loans
๐Ÿ“ฑ773.551.0898
๐Ÿ“ง [email protected]

Wayzata dream ๐Ÿก JUST FUNDED โœ…By using our in-house bridge loan, these buyers were able to make a strong, non-contingent ...
12/15/2025

Wayzata dream ๐Ÿก JUST FUNDED โœ…

By using our in-house bridge loan, these buyers were able to make a strong, non-contingent offer - without selling their current home first. In competitive markets like Wayzata, that flexibility is EVERYTHINGโ€ผ๏ธ

Huge shoutout to our clientsโ€™ amazing agent who did a flawless job guiding this deal from start to finish. Teamwork makes the dream work! ๐Ÿค

November was a good oneโ€ผ๏ธโœ… 5 families helpedโœ… Over $2.5M+ in real estate purchased โœ… Countless memories now being madeWh...
11/21/2025

November was a good oneโ€ผ๏ธ

โœ… 5 families helped
โœ… Over $2.5M+ in real estate purchased
โœ… Countless memories now being made

Whoโ€™s nextโ‰๏ธ

11/13/2025

Itโ€™s ๐Ÿง€โ€™y but TRUEโ€ผ๏ธ

STOP stressing over the rate you MIGHT hold onto for 3-5 years, and START focusing on finding your dream ๐Ÿก today at a cheaper price than tomorrowโ€ผ๏ธ

๐Ÿ’ฅ Over $500,000 in interest ELIMINATED for our clients โ€” just in October! ๐Ÿ’ฅThatโ€™s 6๏ธโƒฃ families keeping their hard-earned...
11/04/2025

๐Ÿ’ฅ Over $500,000 in interest ELIMINATED for our clients โ€” just in October! ๐Ÿ’ฅ

Thatโ€™s 6๏ธโƒฃ families keeping their hard-earned ๐Ÿ’ฐ where it belongs โ€” in their pockets, not the bankโ€™s.

Sick of trying to time the market and want to capture some serious savings?! You know who to ๐Ÿ“ž

Many people think refinancing just means a lower payment. ๐Ÿšซ๐Ÿ™…๐Ÿปโ€โ™‚๏ธMy team and I like to show our clients how they can util...
10/07/2025

Many people think refinancing just means a lower payment. ๐Ÿšซ๐Ÿ™…๐Ÿปโ€โ™‚๏ธ

My team and I like to show our clients how they can utilize a refinance to OWN their ๐Ÿก quicker, pay less interest to big banks, and set themselves on a path to financial freedom! โœ…

By switching our client from a 30-year to a 15-year fixed, she is capturing some SERIOUS interest savings:

โžก๏ธ $10K+ by year 2
โžก๏ธ $25K+ by year 5
โžก๏ธ $200K+ in life of loan interest! ๐Ÿ’ฅ

Sometimes the right mortgage move isnโ€™t about a smaller payment โ€” itโ€™s about a smarter plan. ๐Ÿ”‘

๐Ÿ’ฐ ๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž๐ + ๐‘๐ž๐ข๐ฆ๐š๐ ๐ข๐ง๐ž๐ ๐Ÿกโ ๐–๐ž ๐ฃ๐ฎ๐ฌ๐ญ ๐ก๐ž๐ฅ๐ฉ๐ž๐ ๐š ๐œ๐ฅ๐ข๐ž๐ง๐ญ ๐ฌ๐š๐ฏ๐ž ๐จ๐ฏ๐ž๐ซ $๐Ÿ•๐Ÿ—,๐ŸŽ๐ŸŽ๐ŸŽ ๐ข๐ง ๐ญ๐จ๐ญ๐š๐ฅ ๐ข๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐จ๐ฏ๐ž๐ซ ๐ญ๐ก๐ž ๐ฅ๐ข๐Ÿ๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž๐ข๐ซ ๐ฅ๐จ๐š๐ง โ€” ๐š๐ง...
09/23/2025

๐Ÿ’ฐ ๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž๐ + ๐‘๐ž๐ข๐ฆ๐š๐ ๐ข๐ง๐ž๐ ๐Ÿกโ 
๐–๐ž ๐ฃ๐ฎ๐ฌ๐ญ ๐ก๐ž๐ฅ๐ฉ๐ž๐ ๐š ๐œ๐ฅ๐ข๐ž๐ง๐ญ ๐ฌ๐š๐ฏ๐ž ๐จ๐ฏ๐ž๐ซ $๐Ÿ•๐Ÿ—,๐ŸŽ๐ŸŽ๐ŸŽ ๐ข๐ง ๐ญ๐จ๐ญ๐š๐ฅ ๐ข๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐จ๐ฏ๐ž๐ซ ๐ญ๐ก๐ž ๐ฅ๐ข๐Ÿ๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž๐ข๐ซ ๐ฅ๐จ๐š๐ง โ€” ๐š๐ง๐ $๐Ÿ๐Ÿ’,๐ŸŽ๐ŸŽ๐ŸŽ+ ๐ข๐ง ๐ฌ๐š๐ฏ๐ข๐ง๐ ๐ฌ ๐›๐ฒ ๐ญ๐ก๐ž ๐ž๐ง๐ ๐จ๐Ÿ ๐ฒ๐ž๐š๐ซ ๐Ÿ ๐š๐ฅ๐จ๐ง๐ž. ๐Ÿ“‰โ 
โ 
๐๐ฎ๐ญ ๐ญ๐ก๐š๐ญโ€™๐ฌ ๐ง๐จ๐ญ ๐š๐ฅ๐ฅ: ๐ฐ๐ž ๐ฉ๐ซ๐จ-๐ซ๐š๐ญ๐ž๐ ๐ญ๐ก๐ž๐ข๐ซ ๐ง๐ž๐ฐ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ญ๐จ ๐ฆ๐š๐ค๐ž ๐ฌ๐ฎ๐ซ๐ž ๐ฐ๐ž ๐๐ข๐๐งโ€™๐ญ ๐ฃ๐ฎ๐ฌ๐ญ โ€œ๐ค๐ข๐œ๐ค ๐ญ๐ก๐ž ๐œ๐š๐ง ๐๐จ๐ฐ๐ง ๐ญ๐ก๐ž ๐ซ๐จ๐š๐.โ€ ๐“๐ก๐ข๐ฌ ๐ฐ๐š๐ฌ๐งโ€™๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐š๐›๐จ๐ฎ๐ญ ๐š ๐ฅ๐จ๐ฐ๐ž๐ซ ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ โ€” ๐ข๐ญ ๐ฐ๐š๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐š ๐ฌ๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐ฉ๐š๐ญ๐ก ๐ญ๐จ ๐ก๐จ๐ฆ๐ž๐จ๐ฐ๐ง๐ž๐ซ๐ฌ๐ก๐ข๐ฉ ๐Ÿ๐š๐ฌ๐ญ๐ž๐ซ. โœ…โ 
โ 
๐–๐ก๐ž๐ง ๐๐จ๐ง๐ž ๐ซ๐ข๐ ๐ก๐ญ, ๐ซ๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐ข๐ฌ๐งโ€™๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐š ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฆ๐จ๐ฏ๐ž โ€” ๐ข๐ญโ€™๐ฌ ๐š ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐œ ๐ฌ๐ญ๐ž๐ฉ ๐ญ๐จ๐ฐ๐š๐ซ๐ ๐›๐ฎ๐ข๐ฅ๐๐ข๐ง๐  ๐ฐ๐ž๐š๐ฅ๐ญ๐ก. ๐Ÿ’ผ๐Ÿ’กโ 
โ 
โžก๏ธ ๐‘๐ž๐š๐๐ฒ ๐ญ๐จ ๐ฌ๐ž๐ž ๐ฐ๐ก๐š๐ญโ€™๐ฌ ๐ฉ๐จ๐ฌ๐ฌ๐ข๐›๐ฅ๐ž ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž? ๐‹๐ž๐ญโ€™๐ฌ ๐ญ๐š๐ฅ๐ค.โ 
โ 
#๐ƒ๐ž๐œ๐ฅ๐š๐ง๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž #๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ #๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž๐ƒ๐จ๐ง๐ž๐‘๐ข๐ ๐ก๐ญ #๐–๐ž๐š๐ฅ๐ญ๐ก๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐  #๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž๐’๐š๐ฏ๐ข๐ง๐ ๐ฌ #๐‡๐จ๐ฆ๐ž๐Ž๐ฐ๐ง๐ž๐ซ๐ฌ๐ก๐ข๐ฉ #๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž๐๐ซ๐จ๐ค๐ž๐ซ #๐’๐ฆ๐š๐ซ๐ญ๐Œ๐จ๐ง๐ž๐ฒ๐Œ๐จ๐ฏ๐ž๐ฌ

UHL Oktoberfest 2025 ๐Ÿป
09/19/2025

UHL Oktoberfest 2025 ๐Ÿป

Just Funded in Minnyโ€ผ๏ธLoved being able to help this amazing family purchase their dream ๐ŸกWe also had the pleasure of wor...
08/20/2025

Just Funded in Minnyโ€ผ๏ธ

Loved being able to help this amazing family purchase their dream ๐Ÿก

We also had the pleasure of working with an outstanding buyerโ€™s agent in ๐Ÿค
Vicki is a true PRO and her local expertise ensured a smooth transaction from start to finishโ€ผ๏ธ

Whether your dream home is in MN, IL, the Midwest, you name it, my team has your home financing coveredโ€ผ๏ธ

โ€”โ€”โ€”

Declan Hartnett | VP Mortgage Banking
United Home Loans
๐Ÿ“ฑ773.551.0898
๐Ÿ“ง [email protected]

Just Funded ๐Ÿกโœ…Congrats to Ben & Liv on scoring this amazing 2 ๐Ÿ›๏ธ 2 ๐Ÿ› condo in the โค๏ธ of West Loopโ€ผ๏ธThanks to negotiatin...
06/23/2025

Just Funded ๐Ÿกโœ…

Congrats to Ben & Liv on scoring this amazing 2 ๐Ÿ›๏ธ 2 ๐Ÿ› condo in the โค๏ธ of West Loopโ€ผ๏ธ

Thanks to negotiating skills, we were able to spend the sellers money to get our buyers a below market rate and save money at the closing tableโ€ผ๏ธ๐Ÿค

If you or anyone you know is thinking about buying or refinancing real estate, you know who to callโ€ผ๏ธ

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About Declan

Declan grew up on the Southside of Chicago in Beverly and is a graduate of the well-known Mount Carmel High School. Declan developed a passion for hockey at an early age. His time on the rink taught him the importance of hard-work and perseverance, and earned him the opportunity to play hockey at Western Michigan University while earning his degree in Marketing from the Hayworth College of Business. In this highly competitive environment he learned the importance of teamwork and leadership in achieving success. His impact on the team was so profound that the coaching staff honored him by creating The Hartnett Award in his name. This now annual award is presented to the player considered to be the best teammate on and off the ice, by making the sacrifices necessary to put the team above himself.

As a mortgage banker, Declan continues to bring his work ethic, team approach and contagious attitude to help his clients navigate the mortgage process. He is an avid student of the industry and a graduate of XINNIX, The Mortgage Academy of Excellence. A distinction earned by less than 1% of all mortgage bankers in the United States.

Declanโ€™s goal is to be a trusted mortgage adviser to his clients so they can enjoy the home buying / refinancing process. Working with a XINNIX-trained mortgage banker like Declan ensures you will be doing business with a knowledgeable professional you can trust.