Universal Mortgage And Finance-Northern Maryland & Delaware Division

Welcome to Universal Mortgage & Finance, Inc! (UMAFI) 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!

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, Universal Mortgage & Finance, Inc. offers a wide range of financing options to meet home buyer needs. Our experienced and knowledgeable loan officers will review each home buyer’s personal financial position and help them decide the best solutions.

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