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Welcome

Since beginning my career with United Home Loans in 2004, I’ve come to realize that industry changes are inevitable and having a positive reputation is necessary.  Obtaining financing is NOT a simple process today, so my goal is to provide important resources and answers to your questions.  Think of this site as your first stop to the loan process…a hub for housing news, guidelines and getting your approval process started.

I pride myself on adding value, being accessible, providing a transparent process and managing realistic expectations. My team at United Home Loans will provide a personalized experience with the highest regard for ethical and professional standards.  We strive for loyalty, and want to earn your trust.

Chris is licensed in CA, CO, FL, GA, IA, IL, IN, MI, MN, OH, TN, TX & WI

Contact
- or - call 708.955.7271
I do not look at a mortgage as a singular transaction. Your mortgage is an investment, and it’s important that you have the right kind of mortgage that not only fits your current needs, but also aligns with your goals and expectations for the future.

How Much Interest You Actually Pay – Tips To Pay Less

Friday, February 10th, 2023

Today Chris shows you how much money you can expect to pay over the life of the loan, and provides tips to pay less.

Chris Ulrich

Vice President | Mortgage Lending

NMLS 215735

Payment, Rate and APR Assumptions as of 2/9/2023 Payment, rate, and APR example for a 30 YR, 20 YR & 15 YR Fixed loan: At a loan amount of $400,000 on a home values at $500,000. Payment shown only to explain how a loan is amortized. For demonstration purposes only, rate of 6.000% / 6.500% APR. Does not include taxes and insurance. Actual payment with those items will be higher. Scenario assumes a 740 credit score, 80% loan to value, 60-day lock period, and zero points for an owner-occupied, single-family detached home which will be used as a primary residence. APR stands for annual percentage rate. Additional requirements must be met. Subject to underwriting approval. Not all applicants will qualify. This is not a commitment to lend.

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Q&A: How Much Can I Afford

Tuesday, January 31st, 2023

Chris explains how he pre-approves clients and how you can calculate how much home you can afford.

GET PRE-APPROVED HERE

Chris Ulrich NMLS# 215735

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Q&A: How Your Interest Rate is Determined

Tuesday, December 13th, 2022

Chris explains Loan-Level Price Adjustments and how several factors can determine your interest rate.

Rate and APR Assumptions as of 11/10/2022 The interest rates and loan pricing shown are for demonstration purposes only. Actual interest rates may be higher than 6.000% / 6.322% APR. Assumes a loan amount of $100,000, 740 credit score, 80% loan-to-value, 60-day lock period, and zero points for an owner-occupied, single-family detached home which will be used as a primary residence. For the demonstrated owner-occupied condo and 680 credit score with a 1.75 discount point, rate and APR would be 6.000% / 6.827%. APR stands for annual percentage rate. Additional requirements must be met. Subject to underwriting approval. Not all applicants will qualify. This is not a commitment to lend.

Chris Ulrich – VP Mortgage Lending

NMLS 215735

United Home Loans

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