Universal Mortgage Finance

Welcome to Universal Mortgage and Finance, where we redefine the mortgage experience by making it friendly, flexible, and fast. With years of experience in the industry, we have helped countless homebuyers achieve their dreams of owning a home. Our happy customers have left us with hundreds of positive reviews, and we are proud to have become one of the most trusted mortgage companies in the business.

At Universal Mortgage and Finance, we understand that buying a home can be a stressful experience. That's why we've made it our mission to simplify the process for our clients, from application to closing. Our team of licensed loan officers works tirelessly to ensure that each client receives personalized attention and expert guidance, no matter the distance.

Our Services

We offer a range of mortgage services to suit your needs, whether you're a first-time homebuyer, a veteran, or looking for something else.

*Purchase*: Buying a home is one of the most significant financial decisions you'll ever make. Our team of experts will guide you through the process, from pre-approval to closing, ensuring that you get the best possible mortgage for your situation.

*Refinance*: If you're looking to lower your monthly payments, shorten your loan term, or cash out some of your home's equity, we can help. Our refinance options are tailored to your unique needs, and our team will work with you to find the best solution for your financial goals.

*First-Time Homebuyer*: Buying a home for the first time can be intimidating. We're here to help! Our team of experts will guide you through the process, from pre-approval to closing, ensuring that you understand every step of the way.

*Veteran*: We're proud to serve those who have served our country. Our VA loan options are designed to help veterans achieve their dreams of homeownership, with flexible terms and low interest rates.

*Something Else*: Whether you're looking for a jumbo loan, an FHA loan, or a USDA loan, we have options to suit your needs. Our team will work with you to find the best possible mortgage for your situation.

Where We Serve

We're licensed in several states across the country, including Colorado, Delaware, the District of Columbia, Florida, Georgia, Maryland, Nevada, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. We have office locations in Edgewater, MD, Reno, NV, and St. Johns, FL, but we serve clients no matter the distance.

Tools and Resources

We've designed our website to be a valuable resource for homebuyers at every stage of the process. From our mortgage calculator to our home value checker, we provide the tools you need to make informed decisions about your mortgage. We also offer loan tools, including the ability to check your loan status, so you can stay up-to-date on the progress of your application.

Our Team

Our team of licensed loan officers is dedicated to providing exceptional service to every client. We're friendly, flexible, and fast, and we're committed to making the mortgage process as easy as possible. Our clients have raved about our timeliness, guidance, and passion for what we do. We're proud to have helped so many homebuyers achieve their dreams, and we can't wait to help you too.

Client Testimonials

Don't just take our word for it - hear what our clients have to say. From second-time homebuyers to military families to first-time homebuyers, our clients have had nothing but positive experiences with our team. We've helped them navigate the mortgage process with ease, answering all of their questions and ensuring that they get the best possible mortgage for their situation.