400 Northpointe Circle | Suite 201 Seven Fields, PA 16046
Licensed in: PA, WV
PA 36359 | WV LO-136020
As a University of Pittsburgh Alumni and a four year Division 1 Scholarship Athlete, I have learned many things about commitment. I utilize the same discipline and ethics that I learned while playing at this high collegiate level to help exceed my clients' expectations with their home loan processes. Whether you are purchasing your first home, buying your dream home, or refinancing to accomplish one of life's many goals, please know that my knowledge and high level of dedication will make all the difference for a smooth and memorable process.
What Customers & Realtors Say About Richard Cardinali
What a great group to work with. Always so kind and helpful. They all were understanding of my outlook/wants/needs and they made all information provided extremely clear. They made this process incredibly smooth for my first-time home buying experience.
We had the perfect first-time home buying experience! We couldn’t have asked for anything more!
It was excellent! It made the daunting process of buying our first home easy. We will definitely use them in the future if we are in the market for another home!
Awesome. Liked working with Richard Cardinali on a professional level.
UHM, and specifically Rick and Michelle, made sure I was always in the know about what was going on. I was in regular contact with them throughout the entire process and they honestly felt like family. I don’t plan to move anytime soon, I know that in the future I will come back to Rick at UHM.
Excellent. I really appreciate Rick's service and guidance.
Overall I was treated very well and thoroughly heard. It was especially commendable to receive this serve during this uncertain COVID-19 era.
As stated in your mission statement, Rick and Michele provided a personalized and well-planned strategy for refinancing our home. We also got immediate feedback from their office, always letting us know what to expect as the application process proceeded to its next step.
From start to finish the experience with Union Home Mortgage was fantastic. The website is very convenient and straightforward. Rick Cardinali exceeded all expectations and we can’t speak highly enough of him and his team. Prompt responses and constantly in the loop the entire process.
Rick and Michele made the whole experience very easy and enjoyable, from explaining details to getting answers for my questions. It was ultra-personalized and professional. The app was a great help and easy to work with also. I can’t thank them enough for doing such a great job!
The whole experience was phenomenally easy and educational, and the outcome was stellar!
My experience with UHM was fantastic. They were friendly, knowledgeable, and efficient. They made the process of purchasing a home so easy and I would recommend them to anyone!
I could not have hoped for a more professional, positive experience throughout my refinancing process. From start to finish, Rick and Michele were on the ball with every question or concern my wife and I had.
You guys are on another level. I’m so very blessed to have been referred to you by my real estate agent. Couldn’t be happier!
Absolutely amazing! The team was amazing and so nice! I loved the calls from Michelle and loved speaking with Rich! It is a nerve racking process but I felt so comfortable the whole way through with the guidance they gave us!
It was fantastic!!! From applying to closing and even after closing for the team to stay in touch to make sure closing went well!!
Easy, pain free experience. This can be a stressful experience but everything the team does is to create most stress free situation.
Best experience the wife and I could have asked for. We had a nightmare with a different company with a previous application. This process was as smooth as butter, thanks to Rick and his team!
Rick and Michelle went over and above my expectations. I would recommend them to anyone who is looking for a lender.
Great experience with friendly people who work hard to do the best solution right for you!
I had a very positive experience. All of the information was presented clearly and was easy to understand. Rick and his team answered the phone when I needed them and answered all of my questions. The process was stress free.
Richard and Michele were very responsive to my initial request about re-financing and that continued through the entire process. Being self-employed provides additional hurdles that they professionally guided me through. They were both very professional. Best financing experience by far!
UHM was referred to me by my real estate agent. she said "they were the best." She was right! I had rather unusual financial needs, but from the beginning they said they could help me! It was obvious from the start that Rick and Michele focused on providing exceptional customer service.
I found this to be the most positive home-buying experience of my several home purchases. Rick Cardinali and his team were a pleasure to work with!
It was an amazing experience. I can’t thank you all enough. I never thought I would be a homeowner and now I am.
Richard and Michelle were great to work with the first time I bought my home, walking me through each step. For that reason I returned to them and had the same great experience the second time I refinanced. Always had thorough explanation on what to do and when to sit back.
Great job! I appreciated the customer service, excellent refinance rates, and communication throughout the process.
It was fantastic, I never felt like I didn't know what was going on or that Richard Cardinali was trying to take advantage of me which is what I felt like with my previous mortgage company.
As first time home buyers we were very nervous, everything went so smooth and so effortless I felt like maybe we had to have missed something. The expertise and respectful honestly was exactly what we needed in this process.
Our overall experience working with Rick was great! He made the entire process as smooth and stress free as possible for us and we can't thank him enough for all the work he did to get us to the closing table!
I knew going in I had a difficult situation and not too many loan companies would have taken the time to sort it all out. Once I handed everything over, I felt Michele went out of her way to get through some of the tangles we came up against. She took care of everything.
From start to finish, Rick & Michelle were wonderful to work with. They were informative, professional, speedy, knowledgeable, and overall easy to work along side with. The mortgage process can be tiresome and overwhelming but they made everything easy. Great overall experience. THANK YOU!
Union Home Mortgage was the best choice for my loan. With them, I felt like we were part of a team. Rick and Michele partnered with me and provided detailed information, including comprehensive videos, about my home loan. Not only were all my questions answered, the response was always timely.
Exceeded our expectations. The process was smooth, effortless and very coordinated. Rick and team were awesome during the home buying process. Everything was communicated to us and if we had any questions, Rick and team were there to answer. I was very pleased.
The entire process was very easy and all of our questions were answered clearly. Several options were presented and the pros/cons of each were thoroughly explained.
The overall experience was great. From start to finish, we never had to wonder where we were at with the process.
Contacting Mr. Cardinali was my wisest move in this whole process. It was smooth, and honestly pleasant, working with him from beginning to end. I am so grateful.
Rick made the whole process very understandable and as painless as possible! He was extremely responsive and Michele kept us updated as we moved through approval.
From beginning to the end I was treated as a priority with exceptional service. Rick and team were amazing and made me feel like family and that we’ had known each other for years! Never had to question if things were done or where we at with the final steps. They both are highly knowledgeable.
We had an excellent experience with UHM. Would definitely recommend them to another person looking to buy. Everyone was friendly, kind and very knowledgeable.
I love UHM and would definitely recommend them to anyone looking for a lender.
My overall experience with UHM and Richard Cardinali and his team has been wonderful. They care about the well-being and satisfaction of their customers both in and outside the loan process.
UHM did my mortgage when I bought my house in 2016. Rick was very up front with me and told me what to expect. When the rates started coming down, I decided to refinance and I knew Rick would help me the way he did before so I knew right where to go.
Unmatched. Second to none. Inviting team with decades of industry experience. You will not find a better organization to work with.
Staff was very friendly, and kept us up to date on progress. Michele Roseman made calls to us and updated us more like an old friend rather than a formal business call. Our loan officer, Richard Cardinali was always available to answer any questions we had about the process in a timely manner.
I loved how personable both Richard and Michelle was. I felt like they were more than my mortgage company. All my questions were answered with ease and I didn’t feel dumb asking. They were able to put my mind at ease when I was worried. My mortgage was put together so effortlessly!
The team was amazing and did everything they could to make the process go as smooth as possible. As a first time home buyer, everyone was helpful explaining each step and what information was needed from us. Rick and his team are awesome and I highly recommend them to anyone!
Great, I feel lucky to have Rick guided me through.
Would definitely recommend Rick to my friends and family for any real estate matters.
We had a great experience with Rick when we bought our home back in 2012, and he was the only one I called to explore refinancing. I knew I would get excellent rates and service. As I mentioned, the communication was great throughout the process, and when an issue or two came up, they were quickly addressed with very minimal inconvenience to us. Thank you!
The UHM employees that I worked with were kind and very knowledgeable. The transition from the application to the approval were made easy through clear communication. Thank you
Everyone at UHM with whom I had contact with was extremely helpful, knowledgeable, and personable. Thank you for making the mortgage process as painless as possible.
Overall my experience was amazing. I am a first time home owner and didn’t have a great knowledge of the process but your team educated me throughout the process and was constantly available, if needed!
Rick and Michele were friendly, prompt, informative, and communicative the entire process—couldn’t have been easier!
Again, we just had a wonderful experience with UHM. We love working with Rick and he's been so helpful throughout our home buying process.
From start to finish the process couldn't have been easier. Really enjoyed working with Rick and Michele. Thank you very much!
Have gone through a couple of home loans in the past and our experience with UHM and Mr. Rick Cardinali and Ms. Michelle have been by far the most informative and best experience.
Excellent - Rick and his team did an awesome job!
Thank you for helping my family reach this financial goal and shorten our mortgage.
Great company and great experience. Rick was awesome in his ability to get all work completed in a better than timely fashion.
My experience was better than I thought possible. Rick asked questions about my future plans to understand what I needed. He talked me through everything I needed to submit, on top of the step by step emails and videos that were super helpful. Michele kept me updated weekly so I always knew what was happening. It was a pleasure working with them both.
This was the second house that Union Home Mortgage helped us purchase. When we decided to buy a new house, there was NO question who we would go to. Rick and his team are top notch! More than just business, really invested in us and in doing the best for us. If we ever move again we know who we will call!
Through the process, Rick and his team bent over backwards to help us. They made sure that we were fully kept in the loop and reassured us every step of the way.
This was the second time my husband and I worked with Rick at Union Home Mortgage and just as before, we were extremely happy with the service we received! Rick made sure every step of the way that we knew exactly where we stood, what was expected from us. We will continue to use Rick at UHM for all of our lending needs and recommend him to all of our family and friends!
My overall experience was great! Process was smooth and easy going. Communication with title was smooth and closing went well. At times I almost forgot I was in the process of refinancing. Stress free!
Simply put, it was awesome. I could tell from the start that I wasn’t another customer. You truly get the best plans available and everything was on a personal level. Michelle and Richard are super easy to talk to and very good at explaining things along the way. Even doing the entire process at breakneck speed, I felt completely comfortable the entire way.
Rick Cardinali with UHM was amazing to work with from the very first phone call, he made the home buying experience so simple for us as we are first time buyers. Michele also did a wonderful job always filling us in and keeping our loan in check! It’s been great!
Everything was easy and pleasant. Rich went out of his way to make sure that I was comfortable and informed. Could not have asked for a better experience.
Rick and Michele are great communicators, and when dealing with the details involved with my refinancing, they did an excellent job holding my hand as we went through it all.
The team put me at ease, and assured me I was in good hands! The app was easy to use to submit needed verifications. I would recommend anyone use UHM!
The members I worked with were courteous, knowledgeable and helpful throughout the whole process in acquiring the loan.
Wonderful experience! Rick and team are friendly and extremely knowledgeable.
The whole experience was very quick and painless. Friendly people who took the time to explain the whole process and the steps of getting a mortgage. Personal calls and communication with the same people was very nice. I couldn't ask for two nicer people then Richard and Michele. Thank you!
UHM was responsive and clear from the beginning. I felt very comfortable with each step of the process.
This is the second time that Rick and his team have supported me in an end to end effort to close on a home. He and his team provide amazing support and knowledge making a painful and complex process seem simple and far less stressful. I always refer people to him and stress the points above.
Everyone has been absolutely amazing! Patient and thorough, ready to answer any questions that might have come up. Couldn’t have asked for any better service, and I will be sure to refer anyone who’s looking to buy a house, and needs a lender. Thank you all again for all your amazing work!
It was amazing how fast we got to closing! I can’t imagine how much work it is to put all the paperwork together, but UHM's staff is very fast! I felt like I was the only client even though I know everyone probably had multiple clients.
It was amazing meeting all the people I met on this journey. I was very nervous going into this. Everyone I talked to made it so much easier and I greatly appreciate that. I will recommend anyone I know buying a home to UHM.
Rick was extremely helpful and went above and beyond to help myself and my daughters achieve the goal of owning our own home. Would recommend him to anyone looking to make their dreams of home ownership become a reality!
It was a very easy process. I would definitely tell everyone that our overall experience with UHM was very good.
Richard Cardinali was an absolute pleasure to work with. We felt comfortable throughout the entire process and are very happy with the entire experience.
I had a previous relationship with UHM. Got my first mortgage with them. Knew when I saw them listed, I would want to use them. Rick was great. Prompt, accurate and always available.
It was absolutely phenomenal! Rick kept me very informed on the process and where we were at with it. I will absolutely use UHM in the future should I decide to do this again, and I have already recommended 2 people to use UHM as well.