Ray Gerami | National Director of Lending

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 look forward to working with you!

NMLS: 188497      Email:  [email protected]      Mobile: (240) 417-5413

My Loan Officer Assistant is Julie Parker! She is an essential part of my team, so you may hear from her as well. Her contact information is below:

Email:  [email protected]      Mobile:  (240) 726-5456