Years of experience
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Homebuyers helped
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Happy Reviews
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I’m A First Time Homebuyer

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Apply Online. Get Pre-Approved Today.

Where we serve…

We’re here to help, no matter the distance.

Licensed States

California

Colorado

Delaware

District of Columbia

Florida

Georgia

Maryland

Nevada

North Carolina

Pennsylvania

South Carolina

Tennessee

Texas 

Virginia



How Much House Can I Afford?

Find out with our simple mortgage tools

The Easy Way To Mortgage

Friendly. Flexible. Fast. 

apply online

Apply today and get connected with an expert – a human expert. One of our licensed loan officers will reach out to you shortly.

get Pre-approved

Give us a few details on your current financial situation and we’ll get you pre-approved before you begin house hunting.

let us do the work

We have a team of mortgage magicians in house, so we can get you to the closing table fast.

clear to close

That’s it! Sign the papers, grab your keys and begin the next chapter of your life.

Client Testimonials

Don’t take our word for it – here’s what our clients say:

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!

J & J 

Maryland

Rhonda Branyan is one super individual! She goes way beyond the extra mile to help her clients. She was so helpful with our mortgage issue. She is so passionate about what she does, we are so grateful!

Lisa & Orlando

Virginia

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!

Fernley

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!

Alisha

Maryland

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

Daniel

Maryland

Rhonda, you made this process easier than buying a car. Thanks for everything you do!

Chris

Virginia

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. 

Peggy

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! 

Muhammad

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.

Francine

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.

Nery

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!

Paige

Nevada

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