About United City Mortgage
United City Mortgage serves as a dedicated mortgage broker based in Houston, Texas, simplifying the home financing process for a diverse range of buyers. They differentiate themselves by leveraging an extensive network of lenders, allowing clients to access a variety of mortgage options and secure competitive pricing tailored to their specific needs. This approach aims to alleviate the stress of shopping around, acting as a streamlined, one-stop solution for home funding.
The company is particularly focused on making homeownership accessible, understanding the challenges faced by first-time homebuyers, low-income buyers, and those requiring down payment assistance. Their offerings include conventional, FHA, VA, USDA, and Jumbo loans, alongside specialized programs for investment properties like DSCR-based rental loans and hard money options for fix-and-flip or bridge financing on residential properties (1-4 units). They also extend services to commercial multifamily bridge loans.
United City Mortgage prides itself on a commitment to efficiency and customer satisfaction, promising features such as a price match guarantee, 24-hour verified approvals, and 15-day closings. Their digital capabilities facilitate an online application process, streamlined documentation, and pre-qualification, ensuring a transparent and swift journey for borrowers.
The company is particularly focused on making homeownership accessible, understanding the challenges faced by first-time homebuyers, low-income buyers, and those requiring down payment assistance. Their offerings include conventional, FHA, VA, USDA, and Jumbo loans, alongside specialized programs for investment properties like DSCR-based rental loans and hard money options for fix-and-flip or bridge financing on residential properties (1-4 units). They also extend services to commercial multifamily bridge loans.
United City Mortgage prides itself on a commitment to efficiency and customer satisfaction, promising features such as a price match guarantee, 24-hour verified approvals, and 15-day closings. Their digital capabilities facilitate an online application process, streamlined documentation, and pre-qualification, ensuring a transparent and swift journey for borrowers.
Company Information
Lender Type: Mortgage Broker
Headquarters: Houston, TX
Licensed In
TX
Digital Capabilities
Online Application
Digital Document Upload
Pre-Qualification Tool
Home Loan Products
Conventional Mortgage Program
Loan Types:
ConventionalRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3%
Min Down Payment
620
Min Credit Score
FHA Loan Program
Loan Types:
FHARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Down Payment AssistanceLow Down Payment ProgramFirst-Time Homebuyer
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
580
Min Credit Score
VA Loan Program
Loan Types:
VARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeRetired
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramLow Down Payment Program
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
0
USDA Loan Program
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
Jumbo Loan Program
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Excellent (740+)
700
Min Credit Score
Residential Rental Property Loans
Loan Types:
DSCRPortfolioRefinanceCash-Out RefinanceConventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness OwnerSelf-Employed
Income Verification:
No Income VerificationBank Statement
Special Programs:
Bank Statement ProgramSelf-Employed Program
Available Terms:
30 years
Credit Tiers:
Good (680-739)Excellent (740+)
75%
Max LTV
Residential Fix and Flip/Bridge Loans
Loan Types:
Hard MoneyBridge
Property Types:
Single-Family HomeMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Special Programs:
Self-Employed Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
Commercial Loan Products
Multifamily Bridge Loans
Loan Types:
Bridge Loan
Property Types:
Multifamily (5+ units)Mixed-UseOfficeRetailIndustrial/Warehouse
Commercial Hard Money Loans
Loan Types:
Hard Money LoanCommercial ConstructionCommercial Refinance
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-UseSelf-StorageHealthcareManufacturing
Contact Information
6100 Corporate Dr #288
Houston, TX 77036
US
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Business Information
Category: Mortgage Lender
Location: Houston, TX
Status: Standard
Type: Mortgage Broker
Profile Views: 17
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