Find Your Fit

 Conventional loans offer flexible financing options for purchasing a home. Qualified buyers may be eligible for down payments as low as 3%, making this a great option for first-time and experienced homebuyers alike. 

 FHA loans are government-insured mortgages designed to make homeownership more accessible. With flexible credit guidelines and down payment options as low as 3.5% for qualified buyers, FHA financing may be a great fit for a variety of borrowers. 

 VA loans offer eligible veterans, active-duty service members, and certain surviving spouses valuable home financing benefits. Qualified borrowers may purchase a home with no down payment and no monthly mortgage insurance. 

 USDA loans help eligible buyers purchase homes in qualifying rural and suburban communities. With no down payment required for qualified borrowers, this program can make homeownership more attainable in eligible areas. 

 Dreaming of building your own home? Construction-to-Permanent financing combines the construction phase and permanent mortgage into one loan, helping simplify the financing process for qualified buyers building a new home with an approved builder. 

 Found a home that needs a little work? Renovation financing may allow qualified buyers or homeowners to combine eligible improvement costs with mortgage financing. 

Not every borrower fits the traditional mortgage mold. UHM offers alternative financing options, including Bank Statement, 1099, DSCR, Asset-Based, Doctor, and Jumbo loans.

Whether you're self-employed, investing in real estate, or have unique financial circumstances, let's explore your options!

 Rate-and-Term Refinance

Looking to adjust your mortgage? Refinancing may allow you to change your loan term, interest rate, or monthly payment based on your financial goals and current market conditions.

Cash-Out Refinance

Put your home's equity to work. A cash-out refinance allows qualified homeowners to access a portion of their equity for home improvements, debt consolidation, or other financial needs.

Home Equity Line of Credit (HELOC)

A HELOC allows qualified homeowners to access available home equity through a revolving line of credit. It's a flexible financing option for eligible expenses while keeping your existing first mortgage in place.