About United City Mortgage

About Us

At the end of the day, my job involves people. And making their really big dreams a reality.

The dream of homeownership is the quintessential American Dream. I consider myself a dream maker, a guide along the way of the sometimes-bumpy path to homeownership. I help make that path a little smoother for good people who deserve a place to call their own.

Throughout my career, I’ve helped thousands of people find the funding to secure their dream homes, and I’ve helped people stay in their homes when times got tough. I’ve helped them find funding to purchase their homes when they thought it wasn’t possible, and I’ve helped entrepreneurs bring their business dreams to life and create generational wealth by expanding their real estate portfolios.

For over a decade, I have put my talents and passion for people to work for a variety of companies focused on the real estate, mortgage, and lending sectors. Now I'm thrilled to launch my own collection of businesses to do things the way I believe they need to be done—the right way, with people at the heart of them.

Whether you're looking for funding to purchase your dream home or a new multi-family unit, need help in building your forever home, or even find the love of your life (yes, I also founded a dating app), I'd love to make your dream a reality.

Privacy Policy

Last updated: June 29, 2024

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions


The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.


For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.

Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to United City Mortgage LLC.

Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

Country refers to: Texas, United States

Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

Personal Data is any information that relates to an identified or identifiable individual.

Service refers to the Website.

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.

Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Website refers to United City Mortgage, accessible from unitedcitymortgage.com

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

Email address

First name and last name

Phone number

Usage Data

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies on the Free Privacy Policy website article.

We use both Session and Persistent Cookies for the purposes set out below:

Necessary / Essential Cookies

Type: Session Cookies

Administered by: Us

Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

Cookies Policy / Notice Acceptance Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

Functionality Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.

To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.

To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.

To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.

To manage Your requests: To attend and manage Your requests to Us.

For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.

For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We do not share Your personal information ( phone numbers) and consent with third parties, affiliates or partners.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation
  • Protect and defend the rights or property of the Company
  • Prevent or investigate possible wrongdoing in connection with the Service
  • Protect the personal safety of Users of the Service or the public
  • Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: hello@unitedcitymortgage.com

By phone number: 713.347.9099

About the Founder

For some people, their real estate and finance jobs are simply a way to make a living. For Carly Tran, they’re a passion--a way for her to help others live out their dreams in a place they can call their own.  

For over a decade, Tran has committed her life to helping people from all walks of life get to that magical moment where they're handed the keys to their new home. It's those magical moments that have kept her in the game for so long and motivated her to create new paths to homeownership for deserving people by helping them secure the financing they need to buy their dream homes.

Since 2012, Tran has honed her knowledge in the mortgage industry while keeping her clients at the forefront of her work. Her career has included positions as a mortgage relationship manager, retention negotiator, licensed loan officer, mortgage loan officer, business management consultant, real estate supervisor, mortgage closing manager, and mortgage operations manager. She has worked with industry leaders such as Nationstar Mortgage, American Airlines Federal Credit Union, and Homeward.

Throughout her career, Tran has served as an advocate for borrowers. She has played an instrumental role in providing end-to-end mortgage application support for thousands of borrowers. And she helped thousands of families stay in their homes by working with them to reduce delinquencies and avoid foreclosure.

Today, she now serves as founder and CEO of United City Capital and its subsidiaries, United City Mortgage and United City Realty. Together, these three companies offer end-to-end support for those looking to buy or build single-family homes or invest in income properties.

“Everything I do is driven by the mission of making it easier for people to buy their own homes,” said Tran. “Owning a home is the epitome of the American Dream, and I believe that every person who wants to own a home should have access to the resources and lending solutions to help them do that.”  

Our Advisor

RANDALL MCNEAL, MA LPC, LMFT Randall tốt nghiệp Trường Kinh doanh Moore thuộc Trường Đại học Nam Carolina với bằng B.S. chuyên ngành Marketing và chuyên ngành Kinh tế.

Bằng thạc sĩ và nghiên cứu sau đại học của ông tập trung vào Tâm lý học và Phát triển Lãnh đạo. Ông ấy đã được đào tạo trong hai năm về Lập trình ngôn ngữ thần kinh và đạt được trình độ Master Practitioner. Anh ấy được cấp phép làm Cố vấn Chuyên nghiệp và là Nhà trị liệu Hôn nhân và Gia đình. Trong hơn 15 năm, anh ấy đã duy trì công việc về tâm lý trị liệu. Randall từng là một sĩ quan vũ khí với các nhiệm vụ hoạt động đặc biệt trong Hải quân Hoa Kỳ với cấp bậc Trung úy. Một ví dụ về các công ty mà ông đã vinh dự được cung cấp những hiểu biết chuyên sâu về huấn luyện và hỗ trợ phát triển khả năng lãnh đạo của các nhà quản lý và giám đốc điều hành công ty hàng đầu là: - Schlumberger (qua một loạt các phân khúc kinh doanh ở tập đoàn toàn cầu) - Cơ quan khoan và thăm dò dầu khí ngoài khơi của vương quốc Anh. - Công ty thăm dò dầu khí Exxon Mobil U.S (Bắc Mỹ) - Chuỗi cung ứng và dịch vụ mỏ dầu Baker Hughes Mỹ Latin (Brazil) - Đội ngũ điều hành Titan Fitness và Fitness Connection Toàn Quốc - Các công ty trong ngành viễn thông, bao gồm TruConnect, TransComm U.S., Sage Telecommunications, Source Communications,

PacWestTelecom, Pareteum, Inc., Nationwide Fitness Connections, Environmental Allies. - Nguyên tắc thành lập ngân hàng đầu tư. - Các ứng cử viên eMEA của Đại học Rice như một phần của chương trình phát triển nghề nghiệp của trường Đại học Lĩnh vực huấn luyện của Randall: Kinh nghiệm Hải quân của Randall là vô giá nhờ những gì ông đã học được về khả năng lãnh đạo: Tất cả các nhà lãnh đạo hiệu quả đều có một đặc điểm chung ---- những người được lãnh đạo cấp cho bạn quyền lãnh đạo họ. Từ đó nảy sinh ý kiến cho rằng những nhà quản lý và giám đốc điều hành có được sự cho phép này là những người giỏi kỹ năng mềm và có thể xây dựng các mối quan hệ. Tin tốt là bất kỳ ai cũng có thể học được những điều này thông qua nhận thức và thực hành.

Phương pháp Huấn luyện của Randall: Trọng tâm chính của tôi là nâng cao chỉ số IQ của mối quan hệ với khách hàng. Chúng tôi làm việc cùng nhau trong 3 lĩnh vực quan hệ chiếm ưu thế nhất---- Nắm vững tâm lý cá nhân của thân chủ vì họ có quan hệ với mình. - Nuôi dưỡng và dựa vào các mối quan hệ cá nhân của gia đình và bạn bè thân thiết nhất của họ - Phát triển và duy trì các mối quan hệ chuyên nghiệp trong bán kính 360 của khách hàng. - Tập trung vào điểm mạnh và thành tích của bạn trước để làm cơ sở bắt đầu. - Khám phá cách tận dụng những điểm mạnh này để tạo nên thành công cá nhân của bạn với tư cách là một nhà quản lý lãnh đạo. - Giới thiệu một số khái niệm có thể trở thành phản ứng bản năng khi đối mặt với những thách thức cụ thể cho sự phát triển nghề nghiệp của bạn.

- Sử dụng các khái niệm này trong các tình huống thực tế để bạn có thể thấy chúng hoạt động và xây dựng sự tự tin về khả năng gây ảnh hưởng của bạn. - Hãy thật vui vẻ trong khi chúng ta vươn mình một chút để đạt được tầm cao mới trong các mối quan hệ thông thái. Randall McNeal Randall McNeal & Associates, PLLC Office (713) 267-0634 Mobile (281) 389-2962

We operate in 43 states including Texas, California, Oregon, Washington, New York, New Jersey, Virginia, Maryland, Illinois, Georgia, Florida for private lending.

Free Consultation