Fast approval time • Flexible mortgages • Personal help

Whether you are 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 team will review each home buyer’s personal needs and goals and help lead them to the path of home ownership.


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 Testimonials

Being our first home we did not know what to expect going into this and it was a lot harder than we thought, but having Ernie Donaldson on our side made all the difference! He went above and beyond what his job probably entailed for us. He made himself available for us when we needed it the most, and was always there to guide us through what needed to be done. If he was rated believe me he gets the highest rating possible!! Thank you again Ernie!!

Amanda C. - Baltimore, Maryland

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