Located in Coral Gables, Universal Mortgage is a licensed Florida mortgage correspondent lender which specializes in residential and commercial financing. Our goal is to help everyone achieve the American dream of home ownership. At Universal Mortgage LLC, we treat each customer as an individual, not a number.
We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Services
At Universal Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
We will request documents only after you have (1) received a Loan Estimate and a Home Loan Toolkit, and (2) you have provided us with your verbal or written "intent to proceed" with the mortgage application. Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) - which is part of HUD - insures these loans, so your lender can offer you a better deal. FHA allows a buyer to purchase a home with as little as 3.5% down! FHA Loans are designed for first time homebuyers or low to moderate income borrowers who are unable to make a large down payment.
This is the most popular mortgage loan as if offers financing for first time and experienced homebuyers with flexible loan terms ranging from 15 to 30 years with as low a credit score as 620. You may finance up to 95% of the property's value. Fannie Mae allows financing for primary residences, second homes, and investment properties.
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