Ocean City, Maryland
NMLS #1189020
James Anecharico
Branch Manager • NMLS #178137
Office: (877) 213-8855
Mobile: (443) 996-3018
Fax: (410) 213-8851
E-Mail: janecharico@umafi.com
9925 Stephen Decatur Highway Suite E3 • Ocean City, MD • 21842
Welcome to our website!

Here you will find easy and convenient online tools to assist you with your loan process. Whether you are purchasing, refinancing, or renovating your home we will provide you with the best services to make your loan process as smooth as possible!

Universal Mortgage & Finance, Inc. (UMAFI) 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 quality, efficiency and accuracy UMAFI is suitably equipped with in-house Processing, Underwriting, Closing, Funding and In House Appraisal Order Management.

Whether for a first-time home buyer, a growing family or an established homeowner looking for an investment or vacation property, UMAFI offers a wide range of financing options to meet home buyer needs.

UMAFI works with Tier One investors and offers a full range of programs to satisfy a variety of residential loan needs.

Residential loan programs include:

  • FHA
  • VA
  • USDA
  • Reverses
  • HARP Refi
  • 203k Rehabs
  • Foreign Nationals
  • Fannie Mae HomePath
  • Fannie Mae Products
  • Freddie Mac Products
Click here to see which loan program will best suit your needs.
Ready to apply for a loan?
Our quick online application is ready for you.