Reviews

Today I would like to talk about the difference between a hard pull inquiry and a soft check on your credit. So, imagine this – you’re looking into getting a mortgage and you just want a quick estimate of what your rates might look like. You specifically ask for a soft pull on your credit, which shouldn’t affect your score. But then, the mortgage representative goes ahead and does a hard pull without your consent. This not only affects your credit score but also shows up as an inquiry on your report. It’s frustrating and can be damaging to your overall credit health. It's Important to know your rights and make sure you’re clear with any financial institution or representative about what type of check you want. A soft check is just a surface-level look at your credit, while a hard pull goes deeper and can impact your score. In my opinion, trust is key when it comes to dealing with financial matters. If someone doesn’t respect your wishes for a simple estimate and goes ahead with a hard pull, it’s definitely a red flag. So, always be vigilant and make sure you’re in control of your own financial information. Don't trust this guy: Jason ******* Senior Loan Originator

Hello ******, thank you for taking the time to leave us a review. We deeply value customer satisfaction and are committed to providing world-class service. We apologize for shortcomings in your experience. We have escalated your concerns to our Community Management team and someone will be reaching out to you. Please be assured that we take your feedback seriously and will utilize it to enhance our offerings. If there is anything else we can do to assist you better going forward, please let us know.

Ran into financial issues, however i had never been late on my mortgage payments. The one month i am struggling they remove my access to pay online. I now have to send certified checks or wire. Sent a certified check, took them three weeks to apply the funds. Paid bill pay this month. Now they sent the check back as i am not “approved” for bill pay when i was told that or certified checks needed to be used. Only to have to wait for the check to come back to then wire it. Now have to pay the late fee on top of it. Taking away access to be able go pay online from families who are already struggling is a huge disservice.

Hello *******, thank you for taking the time to leave us a review. We deeply value customer satisfaction and are committed to providing world-class service. We apologize for shortcomings in your experience. We see that a member of our Community Management team has connected with you, and they will continue to be your point of contact in resolving this issue. Please be assured that we take your feedback seriously and will utilize it to enhance our offerings. If there is anything else we can do to assist you better going forward, please let us know.

I would never recommend Union Home Mortgage to a first time homebuyer qualifying for a USDA loan. The property we purchased for 131,000 was unsafe and did not meet USDA guidelines as required. The loan was put through anyway and we are in a very difficult financial situation. The UHM loan officer recommended both the inspector and realtor. We were told it was a good house by the inspector and the realtor told us the inspector was trying to find problems with the house. We thought we were lucky. We quickly realized we were not weeks after moving in. The sagging beam required an engineer and the main floor and attic framing were determined “unconventional” and the engineer hadn’t seen anything like it in 25 years. The structural issue was not addressed by the appraisal and neither was the environmental hazard the house was required to be free from. The house had termite damage not in the report as well as moisture damaged wood not in the report. Bait traps were embedded in the floor and I can’t understand how that was missed. Water came into the basement weeks after moving in. A restoration company said there was nothing they could do for us and we were getting mold. We were referred to a waterproofing company and he told us water had been coming into the house for years. He pointed out the moisture damaged wood, the condition of the walls, staining and told us the basement was recently painted. The cost was 10,000 we didn’t have. The overall basement condition was given a satisfactory rating without substantial defect yet recommended a contractor further evaluate and waterproof the walls. The realtor told us the walls were waterproofed. The front foundation wall is crumbling from years of water intrusion. An engineer, excavator, and waterproofing specialist all agreed it wouldn’t be worth doing anything outside although we tried following the inspector recommendations but it was no use. UHM is aware and declined to take accountability and make the the house safe.

Hello ******* thank you for taking the time to leave us a review. We deeply value customer satisfaction and are committed to providing world-class service. We apologize for shortcomings in your experience. We see that a member of our Community Management team has connected with you, and they will continue to be your point of contact in resolving this issue. Please be assured that we take your feedback seriously and will utilize it to enhance our offerings. If there is anything else we can do to assist you better going forward, please let us know.

The member of your management team stated that UHM reviewed my complaint and submitted their response. The response was the appraisal photos did not indicate physical damage and encouraged an inspection report. My response to that is there are multiple areas of the basement and a few photos from the appraiser. Termite damage was right above the doorway and moisture damaged wood was above the door beside the steps. Bait traps were imbedded in the floor in front of the steps. The dip in the floor between the living and dining room could be seen and felt as well as the dip in the kitchen floor. According to the USDA website the appraiser has the responsibility of noting environmental hazards as well as structural property deficiencies. Yes, we had an inspection by a UHM recommended inspector. That has been established. This does not negate the fact that the property did not meet USDA guidelines and should not have been eligible to a USDA buyer. 1. Termite damage was present. 2. Moisture damaged wood was present. 3. Downspouts were not 4ft away from the foundation as required( this contributed to the water damaged walls around the perimeter of the basement). 4. The house was not free from an environmental hazard and was unsafe from the start. The plumbing was not permitted. There staining on the front foundation wall would have been there. There is no resolution at this time as we continue to live with mold and UHM does not seem to want to make any repairs. Thank you.

Terrible customer service. Service center personnel lack any type of initiative.

Hello ******, thank you for taking the time to leave us a review. We deeply value customer satisfaction and are committed to providing world-class service. We apologize for shortcomings in your experience. We see that a member of our Community Management team has connected with you, and they will continue to be your point of contact in resolving this issue. Please be assured that we take your feedback seriously and will utilize it to enhance our offerings. If there is anything else we can do to assist you better going forward, please let us know.

Pues la verdad no tengo palabras para expresar lo excelente que son, es la segunda vez que voy con ellos y cada vez es mejor su profesionalidad y su trato, con los ojos cerrados los garantizo 100%, son extremadamente a competentes y siempre listo para los que los necesitas Visítenlos ,no se van a arrepentir

Hola Marietta, gracias por compartir tu reseña. ¡Apreciamos mucho sus comentarios y le agradecemos por permitirnos ser parte de su viaje como propietario de una vivienda!

Complete incompetence in dealing with this business. FOUR (4) days prior to closing on a home they discovered they had not followed FHA loan guidelines. The loan will not be granted causing the seller of the home (ME) to cancel the purchase of another home, causing the owner of that home to cancel a purchase of another home, and who knows how many more homeowners will be affected! STAY AWAY FROM UNION HOME MORTGAGE IN ******* **.!! They have no idea what they are doing! This INCREDABLE BLUNDER on their part has cost me considerable monetary loss, which I will have no recourse other than to take into a court of law, which will cost me even more! Again, I repeat.... COMPLETE INCOMPITANCE.

Hello Edward, thank you for taking the time to leave us a review. We deeply value customer satisfaction and are committed to providing world-class service. We apologize for shortcomings in your experience. We see that a member of our Community Management team has connected with you, and they will continue to be your point of contact in resolving this issue. Please be assured that we take your feedback seriously and will utilize it to enhance our offerings. If there is anything else we can do to assist you better going forward, please let us know.

We refinanced and UHM had the best rates. We were able to get the loan and make the payments however now on 2 out of 3 years they have NOT paid our taxes out of our escrow without me calling and making a fuss. Because of this they will only pay our taxes once per year and keep raising our escrow because of "shortages" which wouldn't be as significant if they paid the taxes correctly. They won't let you out of escrow without paying them a percentage of your loan even though they can't do their part.

Hello Brittany, thank you for taking the time to leave us a review. We deeply value customer satisfaction and are committed to providing world-class service. We apologize for shortcomings in your experience. We see that a member of our Community Management team has connected with you, and they will continue to be your point of contact in resolving this issue. Please be assured that we take your feedback seriously and will utilize it to enhance our offerings. If there is anything else we can do to assist you better going forward, please let us know.