The Easy Way to Mortgage

Rob, second time around working with you and we couldn’t have asked for a better loan officer. Your timeliness and guidance made this whole process so seamless. Thank you for making our dream home possible!

Maryland

Amazing! Mike and his staff were incredible to work with! You can tell they love what they do! We’re a military family and our move across the country and buying a new home was extremely chaotic – but Mike and his team made it all possible. We can’t thank them enough!

Nevada

If anyone needs a mortgage loan, I highly recommend Melissa Eppinger. She seriously hustled and went the extra mile to help this single mama qualify to refinance and take advantage of the amazing rates. I can’t thank her enough!

Maryland

This was an amazing experience as a first time homebuyer. This team made the process so smooth and answered all of my questions.

Maryland

I had a great experience working with Ernie. He answered all of my questions and took all of my calls. This was my second time working with Ernie and he was very helpful in making everything go smoothly. Thank you for making this an easy process for me. 

Maryland

It was an amazing experience working with Michael. I was referred to Michael by a close friend and being objective I can say there were so many things that exceeded my expectations. He and Belinda were a pleasure to work with and I would definitely recommend your team to others based on my experience! 

North Carolina

Universal Mortgage and Finance was a blessing! I was 3 weeks away from closing on my new home and the current lender could not move forward due to my negligence. Sidebar, listen to your realtor and take no shortcuts. My realtor suggested another lender and various options. Well, Ernie Donaldson and his amazing, quick, efficient team closed me out in 10 days. I highly recommend this mortgage company and I promise that you won’t be disappointed.

Maryland

Karla gracias mil gracias por toda tu paciencia tu tiempo dedicación , Gracias por tu ayuda en la cual supiste ajecutar muy bien , Simplemente excelente trabajo.

Maryland

Michael was super helpful as we applied for a loan to get our first home! He helped us every step of the way! And made sure we got approved and stayed within our preferred budget! He was super friendly with every communication! We highly recommend using Michael as your lender!

Nevada

Where to start?! Both Mike and Belinda made the process super simple. Mike was fun to work with as well! Great personality, and would jump on things quickly when needed. Belinda was on my heels the entire time and I can not thank her enough for making sure I got paperwork to her in a timely manner. This was my first time buying a house and not my last. I will definitely use him for the the next go-around! I highly recommend Mike and his team! Thank you again for making my dream come to life!

Nevada

This is my 2nd home and I was originally going to go with another lender before I met Justin. He and his team worked some magic to get me a lower interest rate, less points, and overall better deal! Thank you so much Justin for your assistance in helping me buy my new home! The process was very seamless and I really appreciate the time that you took to make sure that I understood everything. I am super excited to get started adding some “Steph-shui” to the new home!! Thank you again!! What an awesome way to enter the holiday!

Maryland – Justin Hilz

My fiancé and I recently purchased a home. Working with Justin was excellent. His service and attention to detail are outstaying. I would recommend Justin to anyone looking for a loan officer.

Maryland – Justin Hilz

I highly recommend Justin. He is very responsive and works tirelessly to facilitate a seamless transaction. I will definitely be working with Justin on future transactions.

Maryland – Justin Hilz

He made my loan super easy and closed so quickly! It was a seamless experience. I would definitely recommend Justin to any friends or family! Thank you Justin!

Maryland – Justin Hilz

We were blessed to have Ernie give clear direction and guidance. From beginning to end he was there for all our questions and concerns. Ernie made our first time home buying experience smooth. Thank you so much!!!!

Maryland – Ernie Donaldson

Ernie is simply the best at his game and very personable. We appreciate his professionally quick turnaround when we needed it in tough times; or just adjusting our financial position. He and his staff are always up front about the application process and remains in contact with you beyond closing to ensure everything went well. Over the 20+ years that I’ve known Ernie, he’s truly a pleasure to work with. I’ve referred anyone I know to him who is in need of mortgage lending assistance because of his natural trustworthiness and professionalism. Stay great and blessed always Ernie!!!

Maryland – Ernie Donaldson

Ernie was an absolute pleasure to work with. He made what would otherwise be a frustrating process for a first time home buyer very smooth and stress-free. He was professional, efficient, attentive and extremely accommodating and quickly earned my trust (which is not an easy thing to do). His expertise and dedication to his clients are unmatched. Thank you Ernie for helping me purchase my first home.

Maryland – Ernie Donaldson

Mr. Donaldson made the home buying experience great. He was always available to answer questions and provide honest guidance throughout the process. Being a first time homebuyer with a mountain of questions, having someone like Mr. Donaldson was comforting because it was evident that he had our best interest at heart at all times and worked with us to make our home purchase possible. We worked with Mr. Donaldson for over a year before purchasing our home, and throughout the entirety of that time, he always took time to talk with us and explain everything in great detail and not once made us feel like a burden on him or his business. Ernie, thank you for everything!!

Florida- Ernie Donaldson

I can’t say enough good things about Mr. Ernest. He helped us with every aspect of our purchase. Very punctual and professional. He was a huge help and gave us some great advice along the way. Always had our best interest in mind. I would recommend Mr. Ernest to anyone that is looking to purchase a home.

Maryland- Ernie Donaldson

Our home purchasing journey was an absolute roller coaster. But having Ernie on our team felt like a cheat code. He was absolutely instrumental in helping us get through the finish line. And was there to provide perspective and coaching when times got challenging. I would highly recommend anyone looking to purchase a home to reach out to Ernie and get him on your team.

Maryland- Ernie Donaldson

Ernie is great! He was on top of everything, when I had a question he was always available to answer. He made buying my second home a smooth process and always made sure to inform me of the process. Ernie I thank you again for everything! If you are looking for a loan officer, I highly recommend Ernie, he cares about his clients and he won’t stir you wrong and will lookout for your best interest.

Maryland- Ernie Donaldson

From start to finish Ernie was on top of it, he provided clear direction and guidance. He was always available to answer any questions while displaying extraordinary knowledge. He made purchasing worry free. %100 recommend

Maryland- Ernie Donaldson

Ernie was able to make our dreams come true! We were almost ready to give up on the thought of being a homeowner but we were blessed to find Ernie and he was so amazing with walking us through all the steps we needed and never made us feel like we were a hassle. He is hands down so amazing and I would recommend anyone who wants to own their first home or to purchase a home period to go through Ernie he will too make you dreams come to reality! Thank you so much!

Maryland- Ernie Donaldson

I highly recommend Ernie Donaldson to anyone who is in the market for a lender. I first met Ernie in 2016 when I bought my home and he was absolutely amazing and made the experience painless and easy so fast forward t 2023 I wanted to refinance my home and reached out to Ernie and once again he delivered he is honest and will get the job done!

Maryland- Ernie Donaldson

Ernie helped us navigate the mortgage process as first time home buyers in Maryland. He also secured a lower interest rate than a large competitor. He not only possesses great experience and discernment; he is genuinely kind-hearted as well. I cannot recommend him highly enough!

Maryland- Ernie Donaldson

Michael earned our business when we decided to relocate from Arizona to Northern Nevada. He was extremely responsive and made sure I was informed of events that had potential to affect our overall loan. We began discussing our plans with him in March, located and closed on our loan/home in June.

I recommend Michael and his team, and you should absolutely give them a shot at earning your business.

NV –  Michael Wimberly

If I could give a higher star I would. Michael made my deal happen, when others couldn’t. He was very knowledgeable and trustworthy when it came to my project. When I almost lost my deal (it was very time sensitive on multiple properties) he came in and got it done in a very short time, ensuring me I wouldn’t loose my deal. Michael doesn’t waste time. If he cant do it he will tell you and if he can he will show you. I will defiantly be back with my next purchase.

NV –  Michael Wimberly

We have worked with Michael on both of our homes and both times he was professional, extremely responsive, and quick to get everything done, approved, etc. We love working with Michael because you know exactly what’s going on, what you need to do, the status of the loan, etc. My husband and I are not the easiest since we both do not have traditional income sources, but Michael makes the process seamless and relatively painless! We will use Michael for any future purchases as well!

NV –  Michael Wimberly

Michael is great and very responsive. I am not sure if there is anyone quicker!

Mike is the best vendor (handymen, services providers ect) we know in terms of response time and service.

10/10 easy!

NV –  Michael Wimberly

Michael and his team met and exceeded expectations at every turn, every step of the process was explained in ways we could understand. We were working with a builder that kept moving completion dates and in a market with rates all over the place, Michael provided guidance on how we could secure a reasonable rate and still work the moving target dates. We secured a mortgage on our new home that stayed within our budget! The team is professional, friendly, detailed oriented and displayed empathy without compromising the integrity of the process.

NV –  Michael Wimberly