Chris Hartzell UCM

Chris Hartzell UCM Providing mortgage financing to clients for over 25 years!

Once your offer is accepted, the home appraisal is one of the major checkpoints before closing.đź“‹ Your lender orders the ...
09/09/2026

Once your offer is accepted, the home appraisal is one of the major checkpoints before closing.

📋 Your lender orders the appraisal — you don't pick the appraiser, but you usually pay the fee
đź“‹ The appraiser is independent, federally regulated, and works from comparable recent sales
📋 You'll get an appraised value — sometimes it matches the contract price, sometimes it comes in lower

When an appraisal comes in low, you have options: renegotiate, dispute with comps, bring more cash, or walk away if your contract allows.

To the Ohio families, the working professionals, the small business owners, the trades, and everyone whose work builds t...
09/07/2026

To the Ohio families, the working professionals, the small business owners, the trades, and everyone whose work builds the homes and communities we serve — Happy Labor Day.

From all of us at Union Capital Mortgage. 🏡

Refinancing comes up in every homeowner's life — but a lot of people start the conversation without knowing the basics.🔄...
09/04/2026

Refinancing comes up in every homeowner's life — but a lot of people start the conversation without knowing the basics.

🔄 Two main types — rate/term refinance (change terms, no cash out) and cash-out refinance (replace your loan with a larger one)
đź’µ Refinancing has closing costs just like your first mortgage did
📊 Break-even math matters — how long before the savings cover the costs?
đź“‹ Your credit AND your equity drive your options

A refinance conversation doesn't commit you to anything. It just gives you the math.

Labor Day didn't just signal the end of summer. It signaled a different kind of homebuying market.📉 The buyer pool shrin...
09/03/2026

Labor Day didn't just signal the end of summer. It signaled a different kind of homebuying market.

📉 The buyer pool shrinks as casual shoppers pause
đź’° Sellers who didn't move in summer reassess pricing
🏠 Inventory that's been sitting starts attracting price-reduction conversations

If you stepped back during the spring rush, this is a meaningful re-entry window. Less bidding war, more space to think, sometimes better terms — without sacrificing on home quality.

Open houses are exciting, but smart buyers look beyond the layout and finishes.Use these questions to uncover potential ...
05/30/2026

Open houses are exciting, but smart buyers look beyond the layout and finishes.

Use these questions to uncover potential ongoing costs before you get too attached. Save this for your next home tour, and visit Union Capital Mortgage’s website for more home-shopping tips to help you plan with confidence.

A strong offer is about more than just the purchase price.Your timing, paperwork, financing, and terms can all impact ho...
05/28/2026

A strong offer is about more than just the purchase price.

Your timing, paperwork, financing, and terms can all impact how competitive your offer feels to a seller. Save this before your next weekend of showings, and visit Union Capital Mortgage’s website for practical tips to help you feel more offer-ready.

Choosing between a condo and a single-family home comes down to more than lifestyle — the financing details can look dif...
05/26/2026

Choosing between a condo and a single-family home comes down to more than lifestyle — the financing details can look different, too.

Swipe through for a simple breakdown of what to keep in mind, then visit Union Capital Mortgage’s website before you start shopping so you can compare your options with a clearer financial picture.

If you’re hoping to move this summer, May is the time to start getting prepared.This 30-60-90 day countdown walks throug...
05/23/2026

If you’re hoping to move this summer, May is the time to start getting prepared.

This 30-60-90 day countdown walks through the key steps for financing, home shopping, and getting offer-ready — so the process feels more organized and less overwhelming.

Save this post and visit Union Capital Mortgage’s website to start planning your next move before the summer rush.

One cost buyers don’t always expect? Your down payment isn’t the only amount needed at closing.This carousel breaks down...
05/21/2026

One cost buyers don’t always expect? Your down payment isn’t the only amount needed at closing.

This carousel breaks down the difference between your down payment and cash-to-close, so you can plan ahead, understand the full picture, and feel more prepared before you buy.

Save this post, share it with your co-buyer, and visit Union Capital Mortgage’s website to start building a clearer estimate for your home purchase.

If you’re self-employed, homeownership is still within reach — you just need to plan ahead.This carousel breaks down wha...
05/19/2026

If you’re self-employed, homeownership is still within reach — you just need to plan ahead.

This carousel breaks down what lenders typically look for, so you can get organized early, feel more prepared, and avoid surprises during the mortgage process.

Address

26021 Center Ridge Road
Westlake, OH
44145

Telephone

+12162883215

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