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Welcome to Universal Mortgage & Finance, Inc! (UMAFI) Here we offer easy and convenient online tools to assist you with your loan process. Whether you are purchasing, refinancing, or renovating your home we will put our highly experienced team at your fingertips!

UMAFI is a direct lending institution that prides itself on always putting the borrower's needs first and building long lasting relationships in the communities we serve. For two decades we have successfully serviced the needs of those refinancing, new home buyers, real estate professionals and builders. To ensure quality, efficiency and accuracy UMAFI is suitably equipped with in-house Processing, Underwriting, Closing, Funding and In House Appraisal Order Management.

Whether for a first-time home buyer, a growing family or an established homeowner looking for an investment or vacation property, Universal Mortgage & Finance, Inc. offers a wide range of financing options to meet home buyer needs. Our experienced and knowledgeable loan officers will review each home buyer’s personal financial position and help them decide the best solutions.

UMAFI works with Tier One investors and offers a full range of programs to satisfy a variety of residential loan needs.

Residential loan programs include:

  • FHA
  • VA
  • USDA
  • Reverses
  • HARP Refi
  • 203k Rehabs
  • Foreign Nationals
  • Fannie Mae HomePath
  • Fannie Mae Products
  • Freddie Mac Products
Click here to see which loan program will best suit your needs.

UMAFI is growing nationally and currently has mortgage branches servicing 17 states throughout the country. Please log on to our company directory to find a branch ready to assist you!

New to buying/refinancing?
Our highly experienced loan officers are here to guide you every step of the way. Click here to browse our Company Directory and locate a loan consultant in your area.
Need additional information on how the process works or what a mortgage term means?
Our video library available here will easily answer questions you may have regarding all aspects of selecting a loan program, applying for a loan, and what to expect along the way.
Ready to apply for a loan?
Our quick online application is ready for you.