Ramona Hall Mortgage Lender NMLS #153779

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United States
East Lansing, MI
Ramona Hall Mortgage Lender NMLS #153779

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Proudly serving Michigan, Kansas & Missouri with the highest quality mortgage lending expertise.

UHM NMLS #2229
Union Home Mortgage is an Equal Opportunity Housing Lender. Loans are available on a fair and equal basis regardless of race, color, religion, s*x, familial status, national origin,military status, disability or ancestry.

10/31/2026

Have a Spooktacular Halloween! 🎃

10/23/2026

🚨 EXCITING NEWS FOR USDA HOME BUYERS! 🏡🎉

I’m excited to share that Union Home Mortgage has been selected by USDA Rural Development to participate in its expanded Delegated Authority LITE Pilot Program, launching December 1, 2026!

What does this mean for home buyers and Realtors?

This program allows participating lenders, including Union Home Mortgage, to approve eligible USDA loans without waiting for the traditional USDA pre-closing approval process.

✨ Potential benefits include:
🏡 Faster, more streamlined closings
⏱️ Fewer delays in the loan approval process
🤝 A smoother experience for both buyers and Realtors

USDA financing is already an excellent option for eligible home buyers, offering 100% financing with no down payment required on qualifying properties.

This new initiative is another reason to explore your options with Union Home Mortgage when purchasing a home in a rural or eligible suburban area!

📩 Have questions about USDA financing, income requirements, or whether a property qualifies? I’d love to help you explore your options and take the next step toward homeownership!

09/21/2026

💳 Carrying balances on multiple credit cards? Your credit score may be feeling it.

One number to keep an eye on is your credit utilization—how much of your available credit you’re currently using. Generally, lower utilization can be better for your credit score.

Think of it this way: More available credit + lower balances = a healthier-looking credit profile.

Small changes can make a difference! Before making any big moves with your credit—especially if you’re thinking about buying a home—talk with your Loan Officer about the best approach for your situation. 🏡

09/17/2026

The Fed raised rates… so mortgage rates went up too, right? Not necessarily!

Here’s the important part: the Federal Funds Rate and mortgage rates are not the same thing. While Fed decisions can influence the overall economy, mortgage rates are driven by several factors, including inflation, the bond market, and broader economic conditions.

For homebuyers: Don’t let a headline make you think you need to put your plans on hold.

For our Realtor partners: This is a great reminder that every market creates opportunities—and having the right lending partner can help your clients understand their options.

Have questions about what’s happening with mortgage rates? Talk to your local UHM Loan Officer. We’re here to help make sense of the market!

09/11/2026

25 Years. We Remember. We Honor. We Serve.

Today marks the 25th anniversary of September 11, 2001—a day we will never forget.

We remember the lives lost, honor the heroes who ran toward danger, and recognize the countless acts of courage, sacrifice, and unity that followed.

On this National Day of Service and Remembrance, may we honor their memory not only with our words, but through service, kindness, and care for our communities and one another.

Never Forget. Always Remember. Continue to Serve.

08/26/2026

Small savings can lead to BIG homeownership goals! 🏡💰

Setting aside a little from each paycheck—when you can—can help turn “maybe someday” into “we’re ready to buy!” 🔑✨

You don’t have to save it all overnight. Start small, stay consistent, and watch it grow. 📈

Ready to start planning for your future home? Let’s talk! I’m happy to share a few money-saving tips to help you get there. 🙌

08/10/2026

🏡 Your Dream Home Could Be Closer Than You Think! 🔑

💰 A down payment doesn’t have to break the bank. With as little as 3% down, you could take the first step toward homeownership! 🎉

Whether you’re a first-time buyer or ready for your next move, let’s explore the loan options that may be right for you.

Give me a call today!

07/28/2026

Tired of writing checks for someone else and seeing no financial growth in return? Start investing in yourself by escaping the rent rat race and becoming a homeowner!

07/14/2026

Starting your homeownership journey does not require a mountain of cash. Between Conventional and FHA loans, first time homebuyers can purchase a home with as low as a 3% down payment!

07/04/2026

Today we celebrate more than fireworks—we celebrate 250 years of freedom, opportunity, and the American spirit.

At Union Home Mortgage, we're proud to help individuals and families achieve the dream of homeownership, one milestone at a time.

Wishing everyone a safe, happy, and memorable Independence Day as we honor our nation's past and look forward to its future.

Happy 4th of July!❤️🤍💙

Address

411 W Lake Lansing Road, Bldg B, # 101
East Lansing, MI
48823

Telephone

+15177126500

Website

https://www.mortgagelansing.com/

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