Patrick Holcomb | Loan Officer
Loan Officer Portrait
NMLS #1031986
Office: (800) 316-6846
Mobile: (301) 980-0200
Fax: (443) 321-0435
Edgewater, Maryland Office | NMLS #118030
Phone: (410) 919-2269
3158 Braverton Street | Suite 204
Edgewater, MD 21037

Welcome to my 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 at Universal Mortgage & Finance, Inc. will provide you with the best services to make your loan process as smooth as possible!

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!


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

"Patrick Holcomb from Universal Mortgage handled the financing on my new home and found me the right loan for my needs. During the process, he handled himself with the highest degree of professionalism, answered all my questions and made me feel at ease throughout the entire process. He has since serviced the mortgage needs of my employees and members of my family. He is always there to answer questions I may have without making me feel as if I’m talking to a used car salesman. His honesty and professionalism have earned my business and my respect."

Jim D. - Lothian, Maryland

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!