UMortgage

UMortgage positions itself as a national mortgage company that facilitates home loans through a network of local loan officers, acting as a mortgage broker that leverages a broad portfolio of lenders. Their core mission revolves around making homeownership more accessible, particularly highlighted by their flagship 1% Down Payment Program. This program enables eligible buyers to secure conventional loans with a minimal borrower contribution, supplemented by lender-paid assistance, and offers the benefit of cancellable Private Mortgage Insurance (PMI).

The company emphasizes localized service combined with nationwide reach, ensuring borrowers can connect with a loan officer who understands their specific community while benefiting from diverse loan options. UMortgage offers a streamlined digital pre-qualification process and provides tools like affordability calculators, aiming to simplify the mortgage journey for homebuyers. Their commitment to client satisfaction is underscored by numerous positive testimonials from borrowers and real estate agents.

UMortgage supports a range of residential loan products, including conventional, FHA, and VA loans, catering to various borrower needs from first-time homebuyers to veterans. They are notably focused on innovative solutions to reduce upfront costs and offer financial flexibility, often allowing the combination of their programs with local and state assistance grants.