Years of experience
Homebuyers helped
Happy Reviews

I’m A First Time Homebuyer

I’m A Veteran 

I’m Looking For Something Else

Apply Online. Get Pre-Approved Today.

Where we serve…

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

Licensed States



District of Columbia





North Carolina


South Carolina




How Much House Can I Afford?

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Four helpful workers of Universal in animation

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 


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


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!



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!



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



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



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. 



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.



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.



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!



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!

Rebekah & Sentaria


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!

Stephanie Robinson

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.

Bryan Fortini

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.

ACE HomeBuyers, LLC

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!

shelby haley

Maryland – Justin Hilz

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