Melissa Eppinger | Loan Officer

Universal Mortgage & Finance, Inc. 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 quick turn times, quality and efficiency we are suitably equipped with in-house Processing, Underwriting, Closing, Funding and Appraisal Order Management. Whether for a first-time home buyer, a growing family or an established homeowner looking for an investment or vacation property, we offer a wide range of financing options to meet home buyer needs. I’m excited to incorporate my 35 years of business and finance experience to help families with their home purchases and refinances. Feel free to apply online at no cost/no obligation, or contact me directly at or call or text 410-320-4402.

I look forward to working with you!

NMLS: 2004668      Email:      Mobile: (410) 320-4402