Chris Hartzell UCM

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United States
Westlake, OH
Chris Hartzell UCM

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Providing mortgage financing to clients for over 25 years!

11/02/2026

They sound alike. One usually digs deeper 🔍

Swipe ➡️ for the difference:
💬 Prequalified: typically a quick estimate from your stated income, debts and savings
📄 Pre-approved: a lender reviews your credit, pay stubs, W-2s and bank statements

A pre-approval letter can show sellers you've done the homework.
It isn't final approval, and terms vary by lender.

📞 Touring this spring? Ask about pre-approval first: (440) 585-5626 or unioncapmtgs.com

Equal Housing Opportunity

10/30/2026

Happy Halloween, Ohio. 🎃

From Union Capital Mortgage.

10/29/2026

3 year-end mortgage tasks. ✅

Escrow check. Interest statement. Refi review.

Do them before Dec 31. Link in bio.

10/26/2026

Mortgage insurance maze. 📋

PMI. MIP. VA funding fee. USDA guarantee fee.
None of these work the same way.

Link in bio.

10/23/2026

30-year to 15-year refi. 📈

Trade-off: higher monthly.
Payoff: less interest, faster equity.

Link in bio.

10/22/2026

Why buyers come back to UCM. 🏡

Loan officers who pick up. In-house decisions. Personal service.

Link in bio.

10/19/2026

Mortgage vocab every buyer should know. 📋

Link in bio.

10/16/2026

Pre-winter renovation lending. 🔨

Link in bio.

10/15/2026

Rate locks, explained. 🔒

30-60 day window.
Protects you from rate increases.
When to lock is strategy.

Link in bio.

10/12/2026

FHA vs Conventional — a real decision. 📊

Swipe for the framework that matters.

Link in bio.

Address

26021 Center Ridge Road
Westlake, OH
44145

Telephone

+12162883215

Website

http://www.ucmortgage.net/

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