William DiCapua Jr.
Senior Mortgage Consultant
[email protected]
Phone: (440) 328-8433
5061 North Abbe Road | Suite 4
Elyria, OH 44035
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NMLS 264936
Licensed in: OH, FL, SC, GA, PA, NC
OH MLO.007096.001 | FL LO47038 | SC MLO-264936 | GA 264936 | PA 101952 | NC I-229935
My career began over 25 years ago with my passion for helping people reach their homeownership goals. Since 1993 thousands of home buyers have experienced my personalized and convenient service. I take pride in treating each client as if they are my own family while they are about to make one of the biggest financial decisions of their lives. I love to educate home buyers on the home buying process. I will always communicate and follow up with any questions that you may have now and in the future, so that I can be thought of as your trusted mortgage consultant through each homeownership journey.
Although we have the benefits of being “Hi-Tech”, we still pride ourselves on having a high touch relationship with our customers through our updates and communications. We have a multitude of experience within our branch ranging from Loan Officers to Processors to Production Assistants all working with a Team Approach giving our customers the best service available. Our normal business hours are Mon-Fri 9:00am-5:00pm but for the convenience of our customers, after hour appointments are made available upon request.
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What Customers & Realtors Say About
William DiCapua Jr.
157 five-star reviews
Thomas D.
08/13/2026
The service was excellent. In the overall experience of going through the process, I think it important to remember that mortgage companies, banks etc do this all day long as their business. The buyer has a job and in some cases family obligations into which they need to make the time collect all needed information.
Kenneth C.
08/06/2026
Great experience
Anais B.
08/05/2026
The process with the DiCapua team was very smooth. We did not know what to expect as it is our first time doing a construction loan but they took the time to explain each step and tailor the process to our needs. From the educational session down to closing communication was consistent. I would happily use this team again and would recommend to other.
James H.
07/26/2026
It was a very good experience
Michael K.
06/22/2026
Surprisingly smooth and easy process. Would not hesitate to use again.
Joseph D.
06/20/2026
Bill Dicapua was a great resource and professional through and through.
Jaret N.
06/11/2026
UHM takes all the stress out of buying a home!
Robert H.
05/19/2026
Third house we've financed through UHM, very satisfied.
Pamela L.
05/11/2026
10 out of 10 experience with this mortgage company. Thanks Bill and Emily!
Tony R.
05/11/2026
Friendly and easy to talk to.
Angela S.
05/03/2026
Excellent
Thomas S.
04/26/2026
It was great
James P.
04/18/2026
Our overall experience with Union Home Mortgage was outstanding. Bill and his team did an amazing job and made us feel like family from the start. We are so appreciative to the entire UHM team for making this an easy process.
Marianne L.
04/02/2026
FANTASTIC
Leslie P.
03/29/2026
We felt comfortable and confident with working with UHM. The communication was excellent. We knew every step of the closure what the status was. Everyone is friendly and willing to help with questions. I would highly recommend Union Home Mortgage to friends and family
Leslie P.
03/29/2026
We felt comfortable and confident with working with UHM. The communication was excellent. We knew every step of the closure what the status was. Everyone is friendly and willing to help with questions. I would highly recommend Union Home Mortgage to friends and family
Leslie P.
03/29/2026
We felt comfortable and confident with working with UHM. The communication was excellent. We knew every step of the closure what the status was. Everyone is friendly and willing to help with questions. I would highly recommend Union Home Mortgage to friends and family
Leslie P.
03/29/2026
We felt comfortable and confident with working with UHM. The communication was excellent. We knew every step of the closure what the status was. Everyone is friendly and willing to help with questions. I would highly recommend Union Home Mortgage to friends and family
Maureen W.
03/20/2026
UHM provided me an ultimate experience, hassle free, efficient, proficient and timely in all aspects of this process.
Tonya S.
03/10/2026
This whole process felt so easy. Great communication and you were able to do the fast close.
Marissa L.
03/01/2026
Working with Bill & his team was such a great experience from start to finish. Thank you for all your help! Looking forward to the next one with you guys.
Kathleen D.
02/25/2026
Excellent
Keysha S.
02/18/2026
Buying a home is very stressful and although we were prepared with good credit and cash down payment UHM made the process easy.
Michael W.
02/15/2026
Great experience, thanks for your help and explaining the process in detail.
Teri B.
12/31/2025
Tyler K.
12/22/2025
Carra C.
12/16/2025
Jorge A.
12/10/2025
Joseph H.
12/02/2025
Bill DiCapua and his team were awesome. Candid and timely communication and a quick refinancing process
Jessica P.
11/11/2025
My loan agent Bill is amazing and I would recommend them to anyone that is planning on getting mortgage or a refinance.
Robert T.
11/10/2025
Michelle M.
11/08/2025
Bill & Emily MUST be allowed to visit me when my home is completed. AND UMH should give give them both a raise.
Michael G.
11/06/2025
Clarence P.
11/04/2025
Amy Y.
10/28/2025
UHM is a fantastic company that helps with all of your needs. They are quick and responsive. I would recommend them to anyone.
Jacalyn K.
10/13/2025
James S.
10/07/2025
Adam P.
09/14/2025
Megan S.
08/31/2025
Emily C.
08/14/2025
Same as what I liked best about it. The team was on top of things and I didn’t have to worry. I felt like I could trust them and lean on them when I had questions or doubts. Overall a great experience working with these individuals!
Andrew S.
08/11/2025
It was very easy. Questions were answered and the process was well explained
Bryan S.
07/08/2025
I would work with this office again
Michael J.
06/26/2025
Luis M.
06/23/2025
Bill DiCapua and his team were excellent. Highly experienced and educated in their line of work, always available when needed and very prompt and punctual with their services. Bill DiCapua and his team are great people to work with, the experience and knowledge that they hold caused the process to go quick and smooth with absolutely no hiccups or set backs. We were in our home quicker than expected, thanks a lot!
Matthew J.
06/17/2025
Michael M.
06/09/2025
Madison S.
05/28/2025
Derrick B.
05/27/2025
Fast and excellent customer service and ability to meet broad construction to Perm requirements.
John T.
05/23/2025
It was timely and the staff was especially accommodating regards to explanation and followup.
Zachary H.
05/22/2025
Chad H.
05/12/2025
Richard R.
05/02/2025
Dion C.
04/29/2025
My overall experience with union mortgage was very informative, quick, and easy.
Christopher M.
04/28/2025
Magnificent.
Carmela J.
04/08/2025
I would highly recommend your team
Cynthia C.
04/01/2025
David K.
03/24/2025
No problem fast service
Toni Marie P.
03/18/2025
See above comments- Excellent!!!
Raebeth H.
03/13/2025
I may have explained that in the previous box. Overall Bill and Emily were extremely helpful, patience, reassuring, and had amazing communication. Already have recommended UHM to friends!
Thomas B.
03/10/2025
Jacob C.
02/10/2025
Worth it.
Adam K.
02/04/2025
Linh T.
01/09/2025
Kathleen C..
Bill and his team went above and beyond to try and make the process quick and efficient. They shared best practices on how to avoid delays in getting approved, consistently communicated throughout the process via emails/phone calls, and were open to all questions. I would highly recommend them.
Dustin D. .
Bill worked to get us the best rate possible. His office was very friendly and efficient with getting us information for our loan. The process was very pleasant. Would recommend to others.
Richard B. .
It was a pleasure to have the expectations so clearly defined. I found dealing with an Experience Professional who was able to define not only what I should expect, but what he expected of me to ensure a smooth transition into home ownership. The Communication was excellent.
Zackery G. .
Working with Union Home Mortgage was very easy. They communicated with us daily, they kept us up to date and made sure everything was done on time. We got to close on our house a week earlier than projected. Everyone was very friendly and willing to answer any questions we had.
Arthur S..
[I had a] wonderful experience whenever I called for anything. I was promptly called backed and Bill worked with me for 2 years so that I could become a homeowner. I will be sending him business. Thanks to the whole Elyria office.
Zachary W..
It was a great and painless experience
Deborah C..
It was a pleasure to work with Union Home Mortgage and their team. I felt very comfortable in asking questions. I always got a response. I would definitely recommend them.
Douglas S. .
Was my first large home loan and they were good. There is a lot to do and information to give but they explained the steps well. They dotted their I's and crossed their T's which only increases your confidence in them. Was a good experience.
Angela G..
Union Home Mortgage thoroughly looked into the best options for my home loan and were able to get my monthly payments exactly where I wanted them. Every person in their office was extremely responsive to any question that I had and I never felt like I had to wait or like I was being ignored.
Dale H..
We were worried that we wouldn't be able to get it done in the time frame we had, but the team made a difficult situation so much more efficient and even more pleasant than we ever imagined.
Linda T..
The experience was great! Bill and Emily were very informative, and easy to work with. The mortgage process went super smooth and fast because they know how to do it right! Give Bill a call and tell him Linda sent you!
Robert B..
Very good experience! Simple e-signing of docs along the way too. Early in the process, both Bill and his son Kyle were quick to respond to requests and questions no matter what time of day! Never let me down or kept me waiting.
Anne W..
I had a wonderful experience with UHM. Everyone I worked with was very friendly and helpful, and they made the process very easy and less stressful!
Matthew S..
Easy, helpful, knowledgeable, and took a lot of stress away.
Kacy W..
Our overall experience was great! Bill and his team were wonderful and we appreciate all they did!
Kathleen T..
I was in this business for 28 years, and this experience went very smoothly and fast. A lot has changed, but I think for the good. Bill and Judy did a fantastic job and were very helpful.
Christine K..
It was fantastic. I had no idea how any of this process goes and was delighted to be surrounded with such professionals who knew exactly what to expect and when.
Shawn F. .
My family has used UHM for every home we have bought and also when we refinanced. We value the working relationship we have with Bill Dicapua and Emily. Bill Dicapua goes above and beyond and really cares for his clients' mortgage needs. Whenever we had a question, we got quick responses.
Gustavo J..
Very easy, encouraging, professional, fast, and efficient.
Dipan P..
Buying a house is a big decision in a person's life and loan processes are a very key part and difficult for someone who's buying the house. You guys make that very easy and educational for me, only first loan and my refinance. Thank you.
Christopher C..
Great experience, thank you for the help!
Thom H..
Excellent from start to finish.
Andrew K..
Great experience from start to finish.
Ranadall L..
Very good experience and easy to work with.
Brittany H..
It was a great experience. This was a great choice for us during this process. Everyone was super nice!
Laura R..
Emily and Bill were great!
Thomas P. .
Overall the refi went smoothly.
Anthony C..
Great communication from everyone. Bill & Emily were spectacular to work with!!! The process was easy and smooth.
Michael K..
I would use UHM again.
Diana S. .
Great experience. It's good to have a group that I feel confident and familiar with.
Kenneth K..
Excellent and we send all our customers to Bill D.
Kim D. .
Great experience-friendly and efficient.
Joshua O..
Great - Bill and Judy were awesome along the way thanks.
Ronald W. .
Bill DiCapua and his staff made this a wonderful experience and who would think going through the mortgage process in building a new home can be desirable. But Bill and his team did! Thank you!!!
Medin F..
It was excellent, your employees were working overtime and did high quality work to contribute so that we could buy our new house. Thank you very much.
David W..
Helped us all the way through the loan process.
Tiffany S..
Very happy with everything. Thank you.
Benjamin M..
Quick and professional service with a knowledgeable team who made it an easy and enjoyable experience. A wealth of knowledge about all types of loans, including VA loans. They clearly have a lot of experience.
David G..
Amazing! Everything went smooth and quick. There were no surprises because they kept me updated the whole time and were quick to respond back to me if I had any questions.
Agie S..
This was a great overall experience. The whole process took less than 30 days.
John L..
I had an excellent experience with UHM. The process flowed smoothly from start to finish.
Steven S..
It was a great pleasure at any time in the future I need to purchase a home I will use Union Home Mortgage and I will also let my family and friends know what a pleasure it was to work with you guys
Matthew K..
We were totally satisfied with our experience with UHM. I have referred friends to UHM and will use them again if needed in the future
Chelsey B..
It was an excellent experience as a first time home buyer. Bill and team did a great job of preparing me for the process and this continued throughout, all the way up to closing. I highly recommend working with them.
Kyle S..
UHM provides excellent customer service and always addressed any questions in a timely fashion. Bill and his team are a pleasure to work with!
Karen S..
The team was amazing! They have made it a very easy process for me to get qualified and approved to build our new house! I would recommend them to anyone and have done so!!
Matthew G..
Bill and the UHM team have once again done an exceptional job for us. They make the refinancing process understandable and smooth with clear and responsive communication and a helpful attitude. We recommend Bill and UHM to everyone we know!
Dominic C..
That everyone made the experience very relaxing and the process was very smooth. Answered all of our questions. I have told my son-in-law about you.
James S..
I knew prior to going into the relationship with Union Home Mortgage I was not gonna have problems and I didn’t wanna make it a purchase. It’s huge not to have drama during the mortgage process.
Jeffrey H..
Professional group throughout. Any questions I had were always answered with a fast response.
Christopher D..
It was a great experience and Bill is very good at explaining everything along the way.
Robert E..
With this being my first home purchase, Bill DiCapua and Emily Gardner made this a seamless experience. From their vast knowledge of the industry, to the charismatic people that they are, I knew I was in great hands. Bill and his team are making a positive impact and changing people’s lives.
Katherine K..
I had a great experience with UHM. Everyone I worked with was friendly, kind, and responsive. I'd definitely recommend them!
Antoinette F..
The entire process ran smoothly. There was excellent communication and responsiveness. I knew exactly what stage my loan was in weekly.
Jacob E..
From our first meeting with Bill to our communications and updates from Emily they created a seamless process that made us feel empowered and knowledgeable.
Don J..
Bill DiCapua was very great to work with. Very nice and knowledgeable. He was easy to get in contact with when ever I needed to. Got us a really great rate plus other great discounts for first time home buyer’s.
Chelsea M..
There is not one thing I would change about my experience. In fact, I’ve already recommended Bill and UHM to friends who are looking to purchase within the next year.
John P. .
Refinancing at this time was good. Overall experience with UHM was great.
Jason D..
My overall experience to this point has been great. Bill and his staff have been wonderful. When talking to Bill and/or any of his staff we were made to feel as if they were just as excited about us reaching the next step in the process as we were.
Elizabeth C..
My experience was wonderful. Everyone was so helpful and knowledgeable with every question I had. We couldn’t have asked for a better experience for our first home purchase!
Joseph B..
Extremely pleased! Emily and Bill are diligent, conscientious and knowledgeable. We were informed through the entire process.
Amy P..
This was my second time working with UHM and the process was just as simple, seamless, and enjoyable as the first. I cannot thank the UHM family enough.
Timothy M. .
Everyone claims to offer impeccable customer service, but Bill DiCapua and Emily Gardner are the best in their field. Respectful, accurate, efficient and wonderful to work with. They are the best in the business. Excellent on all levels.
Joseph M. .
Outstanding customer service. Friendly, knowledgeable and helpful staff. Made the process easier to navigate with less stress. Thank you Bill DiCapua and your team!!!
Seth B. .
As first time home buyers Bill and team made this experience very easy. Everything was explained very thoroughly and if we had question they were a call away. Every week we would get an update on the status of our loan which was nice. We are happy we went with UHM.
Ryan C. .
Taking out a loan really isn't fun, but working with Union Home Mortgage made it the best it could be! The people are great. Bill worked with me individually and broke down the numbers in a way that made sense to a 1st-time homebuyer, and Emily was nothing short of amazing with how quick and responsive she was to my emails and calls. I really appreciated that.
Chad W. .
My experience was great. Very friendly and fast service. Everything went smooth as promised and closed on time. Would highly recommend.
Dana M. .
Everyone was perfect! Emily kept in touch weekly and answered emails almost immediately. Kyle stepped in to help when he was needed and Bill got us pointed in the right direction and hooked us up with a great realtor!
Kristie M. .
Excellent service! Emily was amazing to work with along with the rest of the team. Thank you for making this a stress free process.
Connor L..
Incredible! This is one I will never forget and I can promise if I ever need anything or am looking towards a new home they will be my first and only call!
Ashley J. .
UHM was a great choice. Their team made me feel comfortable throughout the process and was prompt at returning my questions.
Melissa K. .
Very friendly, knowledgeable and great experience. It was the one thing through our building experience that went smooth!
Deborah S. .
Excellent, professional, knowledgeable, friendly, and courteous!
Ryan W. .
Bill Dicapua and his team were highly prepared and extremely motivated. I could not ask for better service.
Leah W. .
My experience with UHM was great from beginning to end. Response time was great and any questions we had along the way were answered promptly. Everything got done very fast and we were able to sign in our house which was wonderful.
Robert R. .
The best home buying experience you could ever ask for!
Kate M. .
Excellent customer service. We felt we were treated as friends and really appreciated all of the extra time spent on our behalf. Thank you for everything.
Crystal H. .
Bill and the team were quick, efficient and there for every step of this. I have heard peoples stories about buying a house being drawn out and things being lost along the way and always needing to come up with more documents. This was such a smooth process. They asked for all my documents upfront and nothing more was needed from me. They worked quickly and I was able to close early. I’m very happy with the service, communication and knowledge of the team. Using the UHM app was very convenient for communication and submitting documents. I’m very pleased with my entire experience.
Zachary L. .
Perfect smooth process and we even closed early! They were so easy to work with!
Marsha K. .
Our experience with Union Home Mortgage was wonderful. Our home search took nearly a year, and UHM was right there every step of the way to answer our questions, advise us, and address our concerns. They are very professional, patient, knowledgeable, kind, and friendly. We couldn't recommend Bill, Emily, and Kyle more highly. Thank you for all you do!
Carlos C. .
Fantastic! Bill and team was everything I would expect and more for such a huge decision.
Gregory T. .
UHM is an excellent mortgage company! Fast and easy closing! Handled everything quickly and professionally!
Dominique W. .
I was a first time home buyer so the way Bill was able to break things down for me to understand was really helpful. Seeing the numbers on the board gave me a great idea what I’d be paying monthly which was one of the most important things to me when choosing a lender.
Jordan V. .
Very friendly people to work with, easy to work with, they make the process as painless and quick as possible, hands down best mortgage I have ever done!
Denise E..
They are amazing, and I would definitely use them again! I've already told my daughter about them! Thank you UHM for being the best!
Sharon J..
Very knowledgeable, patient and kind. It was a completely worry-free process for which I am extremely grateful!
Jay I..
Bill and his secretary were perfect throughout every step! Both were available for questions when needed and walked us through the entire process, allowing it to be stress free.
Donna A..
My experience with UHM was personalized and friendly. The people I worked with were knowledgeable and quick to respond. It made what seemed like a daunting task really not so bad.
Austin B..
Can't speak highly enough about the entire team at UHM. Quick responses to my endless inquires of estimated monthly payments and out of pocket costs for all the properties we saw. Open communication and transparency. Would highly recommend to anyone who asks!
Patricia H..
It was a very positive experience. No surprises, no drastic changes, etc. It went smoothly. Thank you to everyone!!
Randi M..
UHM made the loan application easy and seamless, and helped me obtain needed info that I didn’t know how to gather. I highly recommend UHM and especially Bill DiCapua.
Sammy C..
The UHM team was very professional and helpful! They worked hard to make my closing happen.
Marc P..
Every aspect of working with Union Home Mortgage, from beginning to end, was excellent. Buying our house was a pleasant experience with the help of UHM.
Chad H..
Overall experience with UHM so far has been amazing. We chose to use UHM as our lender because of the great and fast communication. All questions are being answered thoroughly and quickly. It is amazing to know we will not be left hanging in the dark if any concerns arise.
Austin R. .