Kay M. Davis
Branch Manager/Mortgage Specialist
[email protected]
Phone: (810) 201-5804
Mobile: (810) 650-2685
300 South Riverside Avenue | Suite 105
Saint Clair, MI 48079
NMLS 436627
Licensed in: FL, MI, NE, AZ, CO
FL LO40170 | MI 436627 | NE 436627 | AZ 1036260 | CO 100535993
I absolutely love helping clients achieve their goals of homeownership. With over 35 years as a mortgage specialist, I have proudly helped many clients from their first home purchase to vacation home, investment properties as well as their downsizing. With generations to follow…. As your lender for life I specialize in Conventional, HomeReady, Home Possible, Jumbo Loans, New Construction loans as well as FHA and VA. I would be honored to help you or someone you know realize your dreams of homeownership. Please do call me today!
Mortgage Banker License #0930335
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What Customers & Realtors Say About
Kay M. Davis
Friendly, professional, and very helpful!
Phillip G.
Great people, very, very nice to work with. They were patient with me and explained everything until I was comfortable.
Lauren Z.
I looked into UHM after it was referred to me. I was kind of old school and just looked at banks. This has been a great experience, far quicker than a bank and much more personal. Kay has been great. She helped me through any questions I had and went out of her way to accommodate me.
Frederick A.
UHM helped me in buying my first home with no stress and they educated me with everything I needed about buying a home. Very satisfied!
Rachel V.
I love UHM and this is my third loan with the company, I will certainly be a returning customer for my next home loan. I have worked with Kay Davis who is true to her word and she will always have me as a returning customer.
Joseph C.
We received the lowest rates available and the lowest payment UHM could get us!
Rocky S.
Our UHM experience comes down to personal attention and care through the entire process from Kay Davis. If it wasn’t for her thoughtfulness and diligence in working for the best solution for our situation we would probably not have had a great experience. Thanks Kay!
Chad A.
Absolutely incredible!
Ryan D.
Excellent, I will use UHM again.
John W.
Anytime we buy a home we will call Kay Davis every time! She is wonderful to work with and becomes a friend during an exciting and difficult time. Working with her made our experience better than we could have imagined. So thank you UHM and Kay Davis!
Taylor H.
Great. Kay is wonderful and so was everyone involved in the process.
Corinne F.
Kay is great to work with. Excellent experience.
Abraham L.
Your staff was always available for us.
David P.
Kay Davis is definitely an asset to Union Home Mortgage. She is always professional, courteous and assists to make the process seamless and not stressful. A sincere thank you to Kay Davis!!!!
Eric K.
It was fantastic! I highly recommend this team to anyone going through this process!
Nicole H.
From start to finish everything went smoothly and closing was quick and painless.
Kyle H.
Kay handled everything. I emailed a few items and showed up at the closing.
Paul B.
THANK YOU for always answering our questions quickly. You are all fantastic to work with.
Danielle N.
Very easy and efficient.
Arthur H.
Wonderful, kind, and very helpful!
Michael W.
Outstanding!
Sharon R.
It was an excellent experience working with Kay and her team.
Larry C.
My overall experience was great. Everything was handled professionally and in a timely manner.
Stephanie K.
I was very happy.
Timothy H.
Very easy and friendly staff to work with. Made my home buying process simple and quick.
Jacob B.
It was an excellent experience. Very friendly. Worked with me on down payment and credit score. Everything went perfect!
Angela N.
UHM as a whole was extremely well set up to handle my needs. The agent that handled my refinance was extremely helpful and made me feel that her priority was to make me happy with the whole experience.
Frederick A.
Excellent service, quick responses to any questions and the online starting process was great.
Cody E.
Overall a great experience I would recommend to everyone.
Wesley H.
Kay was so helpful and took extra time to walk me through the technical portion of the process. Totally professional and I can’t thank her enough. I’ve got my home because of her. Thank you Kay!
Marianne L.
Our Mortgage process with UHM was quick and easy! With the help of the UHM team everything went smoothly. We received open communication throughout the entire loan process. Everyone was very helpful and friendly.
Steve G.
Kay Davis & Melody Earp are a wonderful team. Made our experience fantastic. We have referrals coming to them. Very pleased.
Janet P.
Kay Davis and team made everything go very well.
Danny C.
It couldn't have been better. Kay was amazing. I would work with her again in a heartbeat. Highly recommend.
Maura M.
Wonderful. Kay has helped us with a couple different mortgages and refi’s. If I decide to buy again, she will be the first call I make.
Michael C.
Having never sold and bought a home, Kay made everything very easy and understandable. She was available for all our questions and answered them with easy to understand answers and professionalism. We would use her services again in a heartbeat.
Jessica H.
We are very thankful for everything Kay was able to do. Closing as soon as we did and all the help with the 401K.
Taylor S.
Kay Davis is a star and I would recommend her to anyone who has a mortgage need.
Robert K.
Over the top A+ experience. Kay Davis and Melonie are amazing representatives. I could actually see myself being an assistant to one of them and enjoying that job! They are helping people and are incredibly professional through the entire process! Great Jobs - Incredible Representatives!
Diane L.
As a senior citizen I was very concerned about making a purchase and going into debt again. After getting all my questions answered and getting good and accurate information about the process I was able to make an informed and easy decision for the future.
Katherine J.
Excellent service! Above and beyond in this day of answering machines and technology. Good to know some companies still believe in relationships and one to one conversations. It was a breath of fresh air!! Thank you!
Harvey J.
Very good customer service and everything was handled in a timely matter and was around my scheduled which was a HUGE thing for me. Very good experience.
Joshua O.
My wife and I were extremely happy with our experience dealing with UHM. Kay Davis was fantastic to work with again and her team at the closing were just as helpful and professional. I have already referred a couple of family members who are looking to refinance their current mortgages.
Gerome H.
A pleasant experience with the Union Home Mortgage team and a great experience with the awesome Kay Davis.
Leroy B.
I had a great experience and am looking forward to recommending friends and family to Union Home Mortgage.
Leslie M.
I went with UHM when I purchased my house and also when I refinanced. Both times I had an excellent experience.
Stephanie K.
Kay was very pleasant to work with. I worked with her before so it was nice to feel I was talking to a friend instead of a stranger. She was very accommodating.
Gary M.
Kay Davis and her assistant, Melody, did an excellent job. I would recommend them to anybody, they were so nice, so helpful, and they got the job done.
James B.
Union Home Mortgage were awesome with our initial home purchase 4 years ago and this time with refinancing. They were super attentive to our needs and were in constant communication with us. We would and have recommended Union Home to family and friends.
Shannon F.
Kay Davis is an asset to any company she works with she is not replaceable. Our family only uses her because she is on top of all the paperwork and keeps us well informed through the entire process.
Ronnie A.
The experience with UHM was easy, informative and fast. Everyone I dealt with was friendly and helpful. I appreciate all the work that was done to make sure everything was done correctly.
Bryan M.
I've had nothing but great dealing with UHM and Kay Davis! I highly recommend her to anyone interested in a mortgage, or refinance. She and her associates were always available and very pleasant to deal with. Cant say enough good things about them or this process!
Frederick H.
It was amazing, Kay and her team and so nice and reassuring. If I needed help with something Melody and Kay got right to it. There was no go around. I’ve always heard underwriting took time and everyone needed more paperwork. Nope not me! They made sure I had it all.
Kayla M.
Kay Davis is knowledgeable, efficient and very friendly. Very easy to work with and stayed on top of process from beginning to end. Highly recommend working with her.
Edward B.
Thank you Kay Davis for making this process an easy experience for my first time. Every step of the process was explained thoroughly and I will proudly recommend.
Jeanne B.
Again dealing with Kay and Melody was very easy and they worked their tails off to make this happen for me and the family. So very happy with the outcome.
Keith S.
My overall experience was excellent, I couldn’t have been happier with the service I received. I will continue to use UHM and Kay Davis in the future.
Jacob D.
Fantastic work by Kay Davis and Charlotte Garrison and the rest of the team. I recommend everyone to check out what Union Home can do for them.
Robert K.
If 10 is the highest you rate someone, then Kay is a 12! Best experience for me as a nervous first time home buyer, and she treated me like I was family. At no time did I feel like a number or just another client. Your company has a gem, and her name is Kay Davis!!
Frederick W.
Their service was Superior and they came through for me when I was at a point of giving up the dream of owning my own place. To me they were a gift from GOD
Samuel M.
I couldn’t be more happy with everything. We were in constant communication through every step and never were left wondering about anything. I am so happy with everything and absolutely will be referring everyone that I know that ever needs help.
Chad G.
I have been working with UHM for about 10 years. I am never disappointed.
Michael T.
A friend of mine, who I trust completely, recommended I call Kay- so I decided I’d give it a shot. From day one she answered every question I had, got me exactly what I was looking for and it was relatively seamless. I could not be happier with how everything worked out.
Sarah H.
I would like to thank Kay Davis, she is the best in the business. This is my 4th loan with Kay and every loan she seems to amaze me. Hands down on her commitment as a Loan Officer. Thank you Kay Davis from myself and my family.
Joseph C.
My experience with Union Home Mortgage was seamless and quick. Very little was asked of me and my loan officer, Kay Davis, kept me in the loop the entire time. Her team is top notch, my closing costs were bare minimum and she locked us in an awesome rate! As a Realtor myself, Kay is my number one go-to lender, this experience reminds me why!
Dee P.
We had an excellent experience with UHM, I would definitely recommend Kay Davis. She is very friendly and was happy to answer our questions during the mortgage process. She worked well with realtor and builder. We are very thankful everything went smoothly. We are in our new home and very happy!
Rebecca T.
We've enjoyed working with Kay and we plan on doing business with her again in the future.
Tasia S.
Was a great experience and I will be working with Kay for my future transactions.
Marcus H.
Kay Davis made our first home buying experience excellent!
Joseph S.
Amazing. Kim and Melody were very easy to work with. Their goal is to get you ready for your mortgage and feel better about the process. They were available at anytime to answer questions or concerns.
Michael F.
We were on a time crunch to close on our house due to constraints from the seller. I am so grateful for Kay Davis and everyone at UHM for all they did to close on time. Words aren't enough, but thank you for providing the best service I've seen in a long time.
Ryan S.
Everything was amazing! Thank you Kay!
Kristen B.
Everything went smooth as can be. Not too difficult of a process. Everyone I worked with was extremely nice and friendly and answered all my questions!
Jason A.
Kay was great to work with. Quickly answered all of our questions and made our refinance go as easy as it could.
Kyle S.
I started out just as an inquiry, and by the end of the discussion I was filling out paperwork. Easy to do with the online documents. Kay made me feel very secure in my decision to refinance with Union Home Mortgage. Thank you for all your help Kay!
Larry L.
From start to finish I was kept in the loop. Every question was answered and they made it the easiest process ever.
Jennifer R.
Kay Davis is very well known to be the best in the mortgage industry. She made our loan process quick and easy and we are extremely happy with her service.
Pamela C.
Kay and Melody were wonderful. The process of buying, selling and financing a home can be stressful to those of us who do it just a few times in our lives. Kay was always proactive in keeping us updated and in the loop, always emailed or called with updates and always had the answer to any question. Melody was equally helpful and friendly. It was the easiest and most stress-free home buying experience I've ever had.
David B.
Kay and Melody were both diligent and knowledgeable. I am very happy with everything, and look forward to working with them again.
Charles H.
Kay always takes care of us and a pleasure to do business with.
Jonathan H.
UHM was great to work with. They made buying a house much less stressful.
Holden J.
UHM was awesome to work with and will be my mortgage company for years to come!
Martina G.
Fast honest safe trusting consistent accurate reliable and more!
Cynthia D.
The whole experience was so fast and easy. Loan was approved in 10 days, I think in record breaking time!! Will use them again if needed. Both Kay and her assistant got things done in such a timely/personal manor. Can’t say enough good things of the overall loan process. Thanks!!
Matthew M.
UHM clearly understands the demands involved in closing critical financial deals while never losing focus of the details that ensure a high level of integrity in meeting industry standard compliance requirements.
Timothy W.
Everything from start to finish was a breeze and was the best mortgage experience I've had.
