Ray Gerami | National Director of Lending

Gerami, Ray

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
Office: (410) 919-2307
Mobile: (240) 417-5413
Fax: (443) 321-0412

Edgewater, Maryland Office
NMLS: 118030
Phone: (410) 919-2269


3158 Braverton Street | Suite 204
Edgewater, MD 21037

Client Praise:

"I was introduced to Mr. Agiri through my mother, who was seeking to become a first-time home buyer as well as myself. He did an extraordinary job assisting me through the process of restoring my credit and meeting certain demands to fulfil expectations. Despite all my challenges and little patience, Mr. Agiri remained professional and always had a high level of patience. His wealth of knowledge and encouragement kept me motivated, which is why my mother and I are homeowners today.

Subsequent to the purchase of my home, He helped me refinance my house and that was a greater success. I would definitely recommend him to my friends and family."

Teyona Richards-Lewis - Bowie, Maryland