Fast approval time • Flexible mortgages • Personal help

Whether you are a first-time home buyer, a growing family or an established homeowner looking for an investment or vacation property, Universal Mortgage & Finance, Inc. offers a wide range of financing options to meet home buyer needs.

Our experienced and knowledgeable team will review each home buyer’s personal needs and goals and help lead them down the path of home ownership.


Who We Are

Welcome to Universal Mortgage & Finance, Inc! Here we offer easy and convenient online tools to assist you with your loan process. Whether you are purchasing, refinancing, or renovating your home we will put our highly experienced team at your fingertips!

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Client Praise

"Being our first home we did not know what to expect going into this and it was a lot harder than we thought, but having Ernie Donaldson on our side made all the difference! He went above and beyond what his job probably entailed for us. He made himself available for us when we needed it the most, and was always there to guide us through what needed to be done. If he was rated believe me he gets the highest rating possible!! Thank you again Ernie!!"

Amanda C. - Baltimore, Maryland

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What's Happening in the Universal Universe?

  • EXPANDING OUR TEAM • March 28, 2018

    Universal Mortgage & Finance welcomes Art Williams to the team! Art is a former Army Captain and senior manager with major companies in the mortgage, automotive and building industries. As VP of Business Development Art’s primary area of responsibility will be creating new branches nationwide.

  • Burgers and Bands Logo


    Come show your support for suicide prevention with friends, music, and food at the second annual Burgers and Bands. A great family friendly event with local bands. Funds raised here go to support suicide prevention groups such as the American foundation for suicide prevention. Come for lunch or all day, and have a good time. Sun, June 3rd 2018 11am-10pm at the Severna Park Taphouse, 58 West Earleigh Heights Road, Severna Park, MD 21146

  • NEW BRANCH OPENING • March 28, 2018

    Universal Mortgage & Finance is excited to announce we will soon be opening a new branch in the White Marsh area! Check back soon for additional details!