PBR Rules

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE on the reverse side for more information about prescreen offers.

You have been pre-selected for a mortgage loan according to the terms and conditions as stated below: 


This notice, known as a Firm Offer of Credit, is required to be sent to you in accordance with the Fair Credit Reporting Act of 1970. The Fair Credit Reporting Act (FCRA) is a United States federal law (codified at 15 U.S.C. & 1681 et seq.) that regulates the collection, dissemination, and use of consumer information, including consumer credit information. [1] Along with the Fair Debt Collection Practices Act (FDCPA), it forms the base of consumer credit rights in the United States. It was originally passed in 1970, [2] and is enforced by the US Federal Trade Commission and private litigants. 





Terms and Conditions: This offer is made by Union Home Mortgage Corp., NMLS# 2229. This offer is conditioned on your continued satisfaction of the pre-screening criteria and on your completion of an updated loan application and submission of documentation. Underwriting guidelines include, but are not limited to acceptable credit and income history, acceptable property appraisal, homeowner’s and title insurance, tax and insurance escrow, and acceptable collateral in the form of a first-position lien on the real property. Standard credit report and property appraisal fees apply. 


Interest rates and APR’s are determined based upon equity credit, income history, and market conditions at the time of application. Loan term fixed for 360 months, discount and origination points may apply. Interest is calculated using the following method: Daily principle balance, minimum and maximum amounts apply. Union Home Mortgage Corp., NMLS# 2229, 8241 Dow Circle, Strongsville, OH 44136. Toll free 800-767-4684. 


LEGAL/LICENSING INFORMATION: Union Home Mortgage Corp. 8241 Dow Circle West, Strongsville, OH 44136, 440-234-4300. NMLS Unique Identifier #2229 (www.nmlsconsumeraccess.org). Equal Housing Lender. Restrictions may apply. Union Home Mortgage Corp. is not licensed in every state. For a complete list of state licenses, please visit www.UHM.com. 

This mortgagee is not acting on behalf of or at the direction of HUD/FHA or the Federal government 


**UHM will provide a closing credit of up to a maximum of $450 toward the cost of the appraisal. Customer must pay the appraisal cost at the time of application, if no closing occurs there is no refund of appraisal costs incurred by UHM. Appraisal cost may exceed $450. If an appraisal is not required, the loan does not close, or the cost of the appraisal is less than $450, there is no cash value or closing credit applied to other charges. PBR belt buckle will be provided once refinance has been completed with Union Home Mortgage. Promotional offering ends 4/12/21.