# Home > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-08. - **Brand record:** https://optimly.ai/brand/home - **Dataset:** https://optimly.ai/brand/home.json - **Markdown:** https://optimly.ai/brand/home/llms.txt - **Official website:** https://uhm.com - **Slug:** home - **Categories:** fintech-financial-services ## Overview - **Tagline:** Union Home Mortgage is an independent mortgage banking company offering home purchase, refinance, construction, renovation, and home equity financing. Source: Brand's website (https://uhm.com) · 2026-11-08 - **Description:** Union Home Mortgage provides residential mortgage lending through retail, wholesale, consumer direct, correspondent, and in-house servicing channels. Its website features mortgage products, a HELOC, down payment assistance, local loan officers, mortgage calculators, and borrower application tools. Source: Brand's website (https://uhm.com) · 2026-11-08 ## Identity - **Founders & leadership:** Bill Cosgrove is CEO and Chairman. Other listed leaders include Al Blank, Senior Vice President of Business Development; Jill Ross, Senior Vice President of Mortgage Operations; Jim Ferriter, Senior Vice President of Retail Sales; and Mike Jones, National Sales Manager. Source: Brand's website (https://uhm.com) · 2026-11-08 - **Website:** https://uhm.com Source: Brand's website (https://uhm.com) · 2026-11-08 - **Voice & tone:** Supportive, approachable, educational, and customer-focused, emphasizing clear communication, personalized guidance, and a less stressful mortgage experience. Source: Brand's website (https://uhm.com) · 2026-11-08 - **Headquarters:** Greater Cleveland, Ohio Source: Brand's website (https://uhm.com) · 2026-11-08 - **Parent ownership:** Independent mortgage banking company. Bill Cosgrove became its sole owner in 1999. Source: Brand's website (https://uhm.com) · 2026-11-08 ## Offerings - **Problem solved:** Helps homebuyers and homeowners navigate mortgage financing, including finding suitable loan products, funding purchases, refinancing, accessing home equity, and financing construction or home repairs. Source: Brand's website (https://uhm.com) · 2026-11-08 - **Core capabilities:** - Residential mortgage lending - Home purchase financing - Mortgage refinancing - Home equity lines of credit - Down payment assistance - Mortgage payment calculation - Construction financing - Home renovation financing Source: Brand's website (https://uhm.com) · 2026-11-08 - **Products / SKUs:** - Conventional mortgages - FHA mortgages - VA mortgages - USDA mortgages - Rehab loans - New construction financing - Home Equity Line of Credit (HELOC) - Union Home Mortgage 1% Down Payment Program Source: Brand's website (https://uhm.com) · 2026-11-08 - **Pricing:** The 1% Down Payment Program allows qualifying first-time homebuyers to contribute as little as 1% toward a 3% down payment, with Union Home Mortgage contributing up to 2%, capped at $2,000. The website also provides an illustrative 30-year fixed-rate Conventional loan example but states that rates and terms may change. Source: Brand's website (https://uhm.com) · 2026-11-08 ## Audience - **Target industry:** Mortgage lending and residential real estate finance Source: Brand's website (https://uhm.com) · 2026-11-08 - **Customer base:** First-time homebuyers, home purchasers, homeowners seeking refinancing or home equity, rural homebuyers, U.S. military members and veterans, home renovators, new construction buyers, and real estate investors. Source: Brand's website (https://uhm.com) · 2026-11-08 - **Ideal customer profile:** Consumers seeking residential mortgage financing and personalized guidance from a mortgage lender, including first-time buyers, move-up buyers, refinancers, homeowners seeking equity access, and real estate investors. Source: Brand's website (https://uhm.com) · 2026-11-08 - **Use cases:** - Buying a first home - Purchasing a move-up home - Refinancing an existing mortgage - Accessing home equity through a HELOC - Financing a home renovation - Financing a custom-built home - Obtaining a low- or no-down-payment mortgage - Financing a rural property Source: Brand's website (https://uhm.com) · 2026-11-08 - **Customer outcomes:** - Move closer to home ownership with down payment assistance - Find a mortgage aligned with individual needs - Navigate the home-buying and financing process with expert guidance - Access home equity for personal financial needs - Finance home repairs or new construction - Receive clear communication and support throughout the loan process Source: Brand's website (https://uhm.com) · 2026-11-08 Page last updated 2026-11-08. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.