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Owning a Home is Part of the American Dream
We make your dream a reality with simple and affordable mortgage options
All Of Your Home Financing Needs Under One Roof
United City Mortgage is your one-stop funding solution for your new home, removing the stress of shopping around for the best deals and providers for your unique needs.
Apply Online
Our streamlined application quickly matches you with lenders who meet your specific needs.
Get Approved
See how much you qualify for, and then begin the home shopping or refinancing process.
Close Quickly
Customized to-do checklists make submitting documentation easy, so you get to closing quickly.
Our Expertise Is Your Advantage
Price Match Guarantee
24-Hour Verified Approvals
15 Days Closing
Lowest Pricing
SHORT SALES
DEED IN LIEU
We Put You In Control
WE KNOW BUYING A HOME CAN BE BOTH EXCITING AND STRESSFUL, SO WE'LL MAKE GETTING A MORTGAGE AS EASY AS POSSIBLE.
United City Mortgage is the home loan experience tailored to your unique needs. No two buyers are the same. And the loan and service you get shouldn’t be either.
We work with buyers from all walks of life with different homeownership dreams, budgets, and needs. We also understand the challenges first-time home buyers, low-income buyers, and buyers who need down payment assistance face and have solutions to serve these clients.
And though our approach to working with each buyer might be a little bit different, one thing remains the same: our commitment to getting you into the home of your dreams. We believe everyone deserves a place to call their own, a home to put down their roots, and at United City Mortgage, we turn that belief into action, ensuring you get the keys in your hands quickly.
Our vast network of lenders and extensive industry experience means we are poised to match you with the lenders skilled in working with buyers with your exact needs. Because of this vast network, we give homebuyers options, allowing them to choose from a variety of lenders so they can take advantage of the best pricing and service.
We are also committed to a transparent application process that puts homebuyers in the driver's seat. Our skilled and passionate customer service team understands what's at stake and delivers top-notch service to ensure securing your mortgage is simple, fast, and hassle-free.
Your Journey Home Starts With the Right Loan
United City Mortgage offers down payments and lending programs designed for every buyer’s budget, financial background, and vision of home
Conventional Mortgage
- As little as 3% down
- Lower interest rates with larger down payments
- Stable income
- 620+ credit score
- Low debt-to-income ratio
Fixed Rate Mortgage
- Stabilized payments throughout the life of the loan
- As little as 3% down
- Lower interest rates with larger down payments
- Stable income
- 620+ credit score
- Low debt-to-income ratio
Adjustable Rate Mortgage
- Low interest rates at the front end of the loan
- As little as 3% down
- Lower interest rates with larger down payments
- Stable income
- 620+ credit score
- Low debt-to-income ratio
Government Backed Loans
- FHA loans with 580+ credit score and 3.5% down
- VA loans with as little as $0 down
- Lower interest rates
- Flexible down payment options
- Lower credit score qualifications
Jumbo Loans
- Low interest rates
- Options for high-end homes
- Stable income
- 700+ credit score
- Low debt-to-income ratio
Rental Loans
- Portfolio loans for multiple properties
- Cash out | Refinance | Purchase
- No personal income verification
- Only provide seven documents
- Close 10 days after appraisal
Bridge Loans
- Single-family and multifamily options
- Purchase | Rehab I Refinance
- No personal income verification
- Only provide six documents
- Close 7 days after appraisal
Latest Events
Private Lending
Fix and Flip Loans
- Conserve on-hand cash with hard money lending
- Allows for 5 times as many deals compared to cash
- Loan percentages based on after-repair value
- Be reimbursed for repairs you make
Rental Loans
- Qualify with only income from rental properties
- No tax returns, pay stubs, or W2s required
- Receive up to 75% of the property’s value
- Options for owners with 10+ rental properties
Bridge Loans
- Single-family and multifamily options
- Purchase | Rehab I Refinance
- No personal income verification
- Only provide six documents
- Close 7 days after appraisa
Rigging the Odds In Your Favor
Whether you’re looking to buy a new home, refinance, or invest in rental properties, we help you overcome market challenges and put you in a position to hear a YES on your loan application.
Rental Loans Criteria
- Property Types Single Family 1-4 units(portfolios allowed)
- Property Type Investment, Non Owner Occupied
- Loan Amount $75k - $2.7M
- Term 30 years
- Type Fixed and adjustable rates
- Max LTV 80% of "as-is" value
- Loan Strategy Short term rental or Long term rental
Many Americans are priced out of bigger cities and metropolitan areas where housing prices have soared. We’re helping homebuyers overcome market challenges with conventional, FHA, VA, USDA, and jumbo loan programs.
Bridge Loan Criteria
- Property Types Single Family 1-4 units(portfolios allowed)
- Property Type Investment, Non Owner Occupied
- Loan Amount $75k - $2.7M
- Term 30 years
- Type Fixed and adjustable rates
- Max LTV 80% of "as-is" value
- Loan Strategy Short term rental or Long term rental
Let us help you
- Best Rates Guaranteed
- 15 Days Closing
- 24-Hour Verified Approvals
- Price Match