Located in Coral Gables, Universal Mortgage is a licensed Florida mortgage correspondent lender which specializes in residential and commercial financing. Our goal is to help everyone achieve the American dream of home ownership. At Universal Mortgage LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders. This allows us to get you the best mortgage rates on all types of home loan programs including: 30 year and 15 year mortgages, 1 year, 3 year and 5 year ARMS, Miami FHA Loans, Conventional Loans, Jumbo Loans, Home Equity Lines, VA Loans and Reverse Mortgages.
Whatever your situation calls for we'll fit your needs. Each of our staff takes great care in educating and helping our customers through each step of the process. By utilizing our services you not only have access to the best loan products available in the marketplace, but you will benefit from our over 20 years of experience in the mortgage industry.
We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders. This allows us to get you the best mortgage rates on all types of home loan programs including: 30 year and 15 year mortgages, 1 year, 3 year and 5 year ARMS, Miami FHA Loans, Conventional Loans, Jumbo Loans, Home Equity Lines, VA Loans and Reverse Mortgages.
Whatever your situation calls for we'll fit your needs. Each of our staff takes great care in educating and helping our customers through each step of the process. By utilizing our services you not only have access to the best loan products available in the marketplace, but you will benefit from our over 20 years of experience in the mortgage industry.
Services
At Universal Mortgage, LLC, our mission is to set a high standard in the mortgage industry.
We are committed to quality customer service - putting the people we serve first.
Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
After you select the loan that is best for you, we will work continuously on your behalf to help you achieve your dream of homeownership.
We are committed to quality customer service - putting the people we serve first.
Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
After you select the loan that is best for you, we will work continuously on your behalf to help you achieve your dream of homeownership.
We will request documents only after you have (1) received a Loan Estimate and a Home Loan Toolkit, and (2) you have provided us with your verbal or written "intent to proceed" with the mortgage application.
Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.
If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.
Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.
If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Universal Mortgage, we are dedicated to finding the loan that fits your individual needs best.
Because we represent a wide variety of "A" rated lenders we can better fill your specific needs than say your local big bank or credit union.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Universal Mortgage, we are dedicated to finding the loan that fits your individual needs best.
Because we represent a wide variety of "A" rated lenders we can better fill your specific needs than say your local big bank or credit union.
FHA loans have been helping people become homeowners since 1934.
The Federal Housing Administration (FHA) - which is part of HUD - insures these loans, so your lender can offer you a better deal.
FHA allows a buyer to purchase a home with as little as 3.5% down!
FHA Loans are designed for first time homebuyers or low to moderate income borrowers who are unable to make a large down payment.
FHA loans allow you to borrower up to 96.5% of the value of the home as long as the property is intended to be your primary residence with a new minimum credit score as low as 550!.
The Federal Housing Administration (FHA) - which is part of HUD - insures these loans, so your lender can offer you a better deal.
FHA allows a buyer to purchase a home with as little as 3.5% down!
FHA Loans are designed for first time homebuyers or low to moderate income borrowers who are unable to make a large down payment.
FHA loans allow you to borrower up to 96.5% of the value of the home as long as the property is intended to be your primary residence with a new minimum credit score as low as 550!.
This is the most popular mortgage loan as if offers financing for first time and experienced homebuyers with flexible loan terms ranging from 15 to 30 years with as low a credit score as 620.
You may finance up to 95% of the property's value.
Fannie Mae allows financing for primary residences, second homes, and investment properties.
Although very similar to Fannie Mae's programs, Freddie Mac proves to be more flexible when underwriting its loans giving purchasers another option to qualify.
You may finance up to 95% of the property's value.
Fannie Mae allows financing for primary residences, second homes, and investment properties.
Although very similar to Fannie Mae's programs, Freddie Mac proves to be more flexible when underwriting its loans giving purchasers another option to qualify.
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