Nancy Berry Peyton Mortgage Loan Originator

Nancy Berry Peyton Mortgage Loan Originator NMLS # 211157 Union Capital Mortgage
I've been in the business 26 years and have all types of financing options for you.

If you're planning to break ground on a custom home in 2027, the conversation needs to start now — not in March.📋 Contra...
09/25/2026

If you're planning to break ground on a custom home in 2027, the conversation needs to start now — not in March.

📋 Contractor selection — vetting and reference-checking takes weeks
📋 Plans, permits, and budget review — your lender reviews everything
📋 Draw schedule structuring — when does money release, on what milestones
📋 Final budget approval — before you break ground, numbers have to be locked

At Union Capital Mortgage, construction-to-permanent and owner-build loans are part of what we do.

Not every borrower fits a standard mortgage box. That's why Union Capital Mortgage offers a real range of specialty loan...
09/23/2026

Not every borrower fits a standard mortgage box. That's why Union Capital Mortgage offers a real range of specialty loans:

🏗 Construction Loans — for buyers building new
🔨 Renovation / Rehab Loans — fund updates as part of your mortgage
💼 Portfolio Loans — kept in-house, built for self-employed and non-traditional scenarios
💰 Jumbo Loans — up to $3M for purchases or refinances above the conforming limit

If another lender has told you 'sorry, you don't fit our box,' it might just mean you need a different conversation.

Five mistakes we see first-time buyers make over and over. The good news — they're all avoidable:1️⃣ Shopping homes befo...
09/21/2026

Five mistakes we see first-time buyers make over and over. The good news — they're all avoidable:

1️⃣ Shopping homes before pre-approval
2️⃣ Maxing out your approval amount
3️⃣ Skipping the inspection to win a competitive offer
4️⃣ Going with the first lender quote
5️⃣ Going radio-silent during underwriting

All five are avoidable when you have a real loan officer guiding you. That's what Union Capital Mortgage does — and has done since 1995.

If you're shopping homes in Grove City, Hilliard, Dublin, Westerville, or anywhere in the Columbus suburbs — your Union ...
09/18/2026

If you're shopping homes in Grove City, Hilliard, Dublin, Westerville, or anywhere in the Columbus suburbs — your Union Capital Mortgage office is right at 3989 Broadway, Ste 380.

📍 Central Ohio market expertise
📍 Loan officers who know your area
📍 In-house processing — your file stays here
📍 A real person you can stop in and see

Once the kids are out, the math on your home changes. Two paths most empty-nesters consider:🔄 Refinance — keep the home,...
09/16/2026

Once the kids are out, the math on your home changes. Two paths most empty-nesters consider:

🔄 Refinance — keep the home, restructure the loan
• Tap equity for retirement planning
• Shift to a shorter term
• Lower monthly payments if you've built strong equity

📦 Downsize — sell, smaller home, often mortgage-free
• Free up equity for retirement
• Less maintenance, less property tax
• Different lifestyle entirely

Neither is universally 'right.' The math depends on your equity, retirement timeline, kids' proximity, and lifestyle goals.

Two words you'll hear constantly in the closing process — and they're not interchangeable.📋 Title = your legal ownership...
09/14/2026

Two words you'll hear constantly in the closing process — and they're not interchangeable.

📋 Title = your legal ownership of the home. Title insurance protects against future disputes over that ownership.

📋 Escrow = the holding system. When you put down earnest money, when your closing funds get gathered — they sit in escrow until everything's verified.

They work together, but they answer different questions: Who owns this property? (Title.) Where are the funds and docs while we sort that out? (Escrow.)

If you're buying outside the major Ohio metros, there's a 0%-down program most buyers haven't heard of: USDA.🌾 0% down p...
09/11/2026

If you're buying outside the major Ohio metros, there's a 0%-down program most buyers haven't heard of: USDA.

🌾 0% down payment on a primary residence
🌾 Available in USDA-designated rural areas — which covers a surprisingly large portion of Ohio outside Cleveland, Columbus, Cincinnati, and their immediate suburbs
🌾 Income limits apply (vary by county and household size)
🌾 Primary residence only — no investment properties

Union Capital Mortgage loan officers can check whether a specific address qualifies.

Once your offer is accepted, the home appraisal is one of the major checkpoints before closing.📋 Your lender orders the ...
09/09/2026

Once your offer is accepted, the home appraisal is one of the major checkpoints before closing.

📋 Your lender orders the appraisal — you don't pick the appraiser, but you usually pay the fee
📋 The appraiser is independent, federally regulated, and works from comparable recent sales
📋 You'll get an appraised value — sometimes it matches the contract price, sometimes it comes in lower

When an appraisal comes in low, you have options: renegotiate, dispute with comps, bring more cash, or walk away if your contract allows.

To the Ohio families, the working professionals, the small business owners, the trades, and everyone whose work builds t...
09/07/2026

To the Ohio families, the working professionals, the small business owners, the trades, and everyone whose work builds the homes and communities we serve — Happy Labor Day.

From all of us at Union Capital Mortgage. 🏡

Refinancing comes up in every homeowner's life — but a lot of people start the conversation without knowing the basics.🔄...
09/04/2026

Refinancing comes up in every homeowner's life — but a lot of people start the conversation without knowing the basics.

🔄 Two main types — rate/term refinance (change terms, no cash out) and cash-out refinance (replace your loan with a larger one)
💵 Refinancing has closing costs just like your first mortgage did
📊 Break-even math matters — how long before the savings cover the costs?
📋 Your credit AND your equity drive your options

A refinance conversation doesn't commit you to anything. It just gives you the math.

Address

26021 Center Ridge Road
Westlake, OH
44145

Telephone

+14408232464

Website

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