Welcome to www.umafi.com at Universal Mortgage and Finance, Inc., we specialize in the following types of business:

- Purchase Loans
- Refinance
- Debt Consolidation
- Real Estate

We lend in Maryland, Delaware, Virginia*, District of Columbia, West Virginia, Pennsylvania**, Tennessee, Florida, North Carolina, South Carolina, Colorado, Nevada and Arizona.

*Universal Mortgage & Finance, Inc. is licensed by the Virginia State Corporation Commission and has been assigned by the Commission MLB-1408
**Pennsylvania Preferred Mortgage Company Inc. is licensed by the Pennsylvania Department of Banking. 1st License #16039 and #16039.001 2nd license #16040 and 16040.001

Check mark Use one of our simple loan application options to

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.