Nick Vagnetti
Branch Manager, Senior Loan Officer
[email protected]
Phone: (586) 636-0029
Mobile: (586) 484-9239
315/317 Water Street
Rochester, MI 48307
NMLS 173350
MI 173350
My name is Nick Vagnetti, I am a Branch Manager and Senior Loan Officer at Union Home Mortgage Corp. I have over 13 years of experience and a Bachelor of Arts in Finance from Michigan State University. I feel my success is attributed to the relationships I build with my clients as well as my honest dedication to each and every one. I consider myself to be a no-nonsense professional who is highly efficient, thorough and very importantly - an extreme problem solver. Because each situation is unique, I believe these skills are not only key, but crucial in this highly competitive field.
At Union Home Mortgage Corp, we offer a wide range of mortgage products, such as Conventional, Jumbo, FHA, VA, & USDA loans. We offer down payment assistance for first-time home buyers (for those that qualify) and 203K renovation loans for distressed properties that qualify. The value I offer to my clients is based on my solid knowledge of the options as well as the ability to correctly and appropriately match loan options with my client and their situation and then to effectively and clearly communicate the ins and outs to ensure comfort and confidence.
I have lived in Michigan my whole life, attended MSU, recently was married and even more recently became "Daddy" to my baby girl, Vivian Marie. My desire to succeed in my career has mostly been led purely by my own inner drive, however now with my growing family at hand, I am more determined and motivated than ever to achieve success for myself which is based on the success of my clients.
When you call me, you can be certain that you will receive my undivided attention and will receive unmatched communication and service. I look forward to speaking with you and getting to know your mortgage needs so that I can assist you with reaching your goal and I thank you in advance.
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What Customers & Realtors Say About
Nick Vagnetti
68 five-star reviews
Sean S.
08/11/2026
This was our first time using UHM. Nick Vagnetti is a difference maker. His mastery of the process and his regular communication allowed us to have high confidence that our loan would be approved on time with no surprises. I appreciate the time he invested to make sure we were comfortable with the process. SS
Arthur T.
07/30/2026
Top notch
Amber D.
07/25/2026
I had an excellent experience working with Nick. The electronic signatures were also very user friendly and made the process less stressful which we appreciated!
Stephanie S.
05/31/2026
Excellent.
Jay A.
04/28/2026
10/10
Mario S.
04/15/2026
Two words. Nick Vagnetti
Nathan B.
03/31/2026
10/10
Michael P.
03/24/2026
Perfect and Excellent
Blake W.
03/20/2026
Absolutely perfect!
Jillian R.
03/17/2026
Nick was the best lender we could’ve asked for. As first time home buyers we had little to no knowledge and he was so thorough with his explanations. He worked around my husband and I’d busy work schedules to make sure we both were in the loop and understood what was happening. He also reassured me over the phone many times that the worry and stress I was feeling was completely normal especially for a first time home buyer. He pushed for things to be done efficiently on his side of things and went out of his way to ensure our schedule was a priority. I would recommend him to anyone, and will use him again in the future.
Jeffrey C.
03/10/2026
Great experience and great service. Will be using again
John F.
03/07/2026
Excellent
Taylor M.
03/02/2026
It was a pleasure to work with Nick. He made the process easy and painless.
William F.
02/28/2026
I loved the quick, efficient work of Nick. No one worked harder for me than Nick. Very grateful.
Janice F.
02/22/2026
I felt like every step was explained in a way I could understand
Melvin Z.
02/09/2026
Excellent , I hope the rates go down so I can refinance and work with Nick again
Carl B.
02/01/2026
Nick will have us as customers for life and we will refer all family and friends to UHM as long as Nick is there.
Stacy S.
12/21/2025
The overall experience was very easy and smooth. Very much appreciate Nick.
Renee R.
12/16/2025
My experience was great, I will definitely recommend friend to use uhm.
Scott A.
12/12/2025
Claudio L.
11/30/2025
Timothy E.
11/28/2025
Overall experience was fantastic!
Justin O.
11/24/2025
Excellent
Levi K.
11/04/2025
Very pleasant! As a first time home buyer there are a lot of questions and ALOT of information. UHM, specifically Nick Vagnetti was there every step of the way.
Tina R.
10/20/2025
It was wonderful
Kristen D.
10/20/2025
It was quick efficient and Nick handled everything I needed him to
Eli G.
09/23/2025
Great.
Ryan L.
09/10/2025
My experience with UHM was excellent. No problems, great communication, and prompt responses.
Dennis N.
08/19/2025
Kristina H.
07/31/2025
Renee R.
07/16/2025
Richard L.
06/10/2025
Very hands-on customer sevice, goes the extra mile to get the deal closed. Very easy to het hold of and very responsive. Thank you!
Alex B.
06/09/2025
Excellent! Would be quick to recommend!
Colt H.
05/02/2025
Celia S.
04/28/2025
Thank you for everything!
Kelli H.
03/25/2025
Michael S.
02/18/2025
Personal, professional, available! I feel Nick treats me as a human being while meeting my family’s needs. I appreciate our relationship. Thank you Nick
Amy B.
02/14/2025
Blake W.
01/06/2025
Anthony D.
01/03/2025
Adam S..
Very professional service quickly arranged the loan and all formalities, very nice people.
Maricelda A. .
I was very happy with the type of loan and how everything was handled. My loan officer and his assistant were very helpful with every question I had and explained every question I had very clearly where I had no worries on what I was signing.
Nicole P..
Great customer service and employees were detailed and informative. Great experience will recommend to others.
Adam W..
The process of having someone know what they were doing and was always able to communicate the next steps. Nick was always available and never stopped working. This was a great experience!
Sara K..
UHM handled everything in a timely fashion even during COVID-19. Nick Vagnetti was extremely helpful with any questions and concerns I had.
Kristen M..
Nick and Ryan were fantastic! We did this loan during lockdown. I thought it wouldn’t happen but these two made sure it did! Thank you!!
Robert F..
The experience was great, and Nick was extremely professional and helpful in explaining every part of the process.
Amie N..
Perfection. Thank you, Nick!
Anthony L..
The experience was great, would use UHM again and would recommend to my friends and family.
Sam V..
Nick and his colleagues really took care of me in the office and on the phone whenever I called. The loan closed quickly during the COVID-19 pandemic, which really impressed me. I'm also saving a lot of money on my refinance. Everyone I worked with was very professional.
Patrick M..
Great experience from start to finish!
Desiree B..
Overall everyone was very helpful and made the process very easy on our end. Thank you!
Matthew M..
We would highly recommend Union Home Mortgage. Thank you so much for making a complex process super easy - helping us save time and money!
Bryan O..
The process was easy. Nick Vagnetti clearly knows his profession well and what the customer needs. I will call Nick and recommend to him everyone I know in the future.
Michele L..
Excellent experience! Would never use anyone else! Nick Vagnetti and his team will work hard for you!
John W..
Great experience! The constant communication during the process was key. Nick and his team ALWAYS does a great job!
Benedykt W..
The overall experience with UHM was excellent. Communication was always fast and Nick was always reliable and pleasant to work with. Everything went smoothly throughout the process. Me and my wife are satisfied working with UHM.
Michael C..
As good as it can be as far as buying something. Nick was knowledgeable and willing to answer my questions , as dumb as some of them might be. If you’re interested in re-financing or this is your first mortgage on a house, do yourself a favor and give Nick a call. You will not regret it!
Lisa C..
Working with Nick was a pleasant experience, he always answered my questions quickly and I enjoyed the short videos sent to follow each step of the process.
Randa S..
Was very pleased with how efficient everyone was. Very honest from beginning to the end. More importantly, my refinance was completely very fast. I would definitely recommend UHM to family and friends. Thank you for making it a pleasant experience for me.
Brandt P..
Process was fast and transparent. Nick was knowledgeable and made us feel comfortable. It was honestly such a great experience, I’ve referred 4 people to him so far!
Jeffrey C. .
Nick Vagnetti and his team is excellent. The process for refinancing was very simple and straightforward. We were surprised how fast it moved. We couldn’t be happier.
Michael C..
They were always kind and willing to take a step back to walk me through making sure I understand everything. Straight to the point, and great rates.
Fannie S. .
Nick Vagnetti and Ryan Smylnycky were there to explain any and all questions in a timely manner that helped move the process smoothly and quickly. Thumb Up x 4, :-)
Rebecca L..
Process was smooth and trouble free - will definitely recommend UHM!
Nicole R. .
UHM is an awesome company to work with, I had a great loan officer that made the process very easy!
Corinn P. .
UHM was great with helping me through the process of getting my first condo! They were very prompt and organized and were available when I needed them. Would recommend to anyone!
Salina W..
Nick Vagnetti is awesome. He made the whole experience easy and stress-free.
Melissa D..