# Universal Mortgage, LLC

> Finding the right mortgage is hard, Let us at Universal Mortgage, LLC. make it easy for you to find the right home loan, mortgage or refinance at the best rates.

Based in Coral Gables, FL.
NMLS #1023016. Licensed in Florida, Georgia and Texas.
Phone: 786-332-4263

## Pages

- [Home](https://www.universalmortgage.com/): Finding the right mortgage is hard, Let us at Universal Mortgage, LLC. make it easy for you to find the right home loan, mortgage or refinance at the best rates.
- [Requested Documents](https://www.universalmortgage.com/apply-now/requested-documents): Requested documents for your loan application with Universal Mortgage, LLC
- [Purchase](https://www.universalmortgage.com/purchase-a-home-miami): If you’re like most people, purchasing a home is probably one of the biggest investments you’ll ever make in your lifetime.
  - [FHA Loans](https://www.universalmortgage.com/purchase-a-home-miami/fha): FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) – which is part of HUD – insures these loans, so your lender can offer you a better deal. FHA allows a buyer to purchase a home with as little as 3.5
  - [Conventional](https://www.universalmortgage.com/purchase-a-home-miami/conventional): This is the most popular mortgage loan as if offers financing for first time and experienced homebuyers with flexible loan terms ranging from 15 to 30 years with as low a credit score as 620. You may finance up to 95% of the property’s value.
  - [Jumbo Loans](https://www.universalmortgage.com/purchase-a-home-miami/jumbo-loans): A jumbo loan is a mortgage that is above the limits set by the government (FHA), also referred to as a non-conforming loan.
  - [Non-Conforming](https://www.universalmortgage.com/purchase-a-home-miami/non-comforming): At Universal Mortgage we realize that the mortgage environment has changed dramatically over the past few years and often times we find our clients being impacted by some of the problems in their past.
  - [VA Loans](https://www.universalmortgage.com/purchase-a-home-miami/va-loans): This loan is made exclusively available to veterans of the United States Armed Forces to facilitate the purchase of a home even with less than perfect credit. This loan allows the borrower to finance up to 100% of the purchase price. Active Duty – Vetera
- [Refinance](https://www.universalmortgage.com/home-loan-programs): Refinance Loan Solutions from Universal Mortgage, LLC are customized to meet the needs of our valued borrowers. Let us help you determine the right refinance loan for you
  - [FHA Loans](https://www.universalmortgage.com/home-loan-programs/fha-loans): Florida FHA Loans from Universal Mortgage, LLC
  - [Conventional](https://www.universalmortgage.com/home-loan-programs/conventional-loans): Are you looking to Purchase or Refinance a home in Florida with a conventional loan? If so, Universal Mortgage, LLC can help!
  - [HELOC Loans](https://www.universalmortgage.com/home-loan-programs/heloc-loans): Need funds for home improvements or debt consolidation? A HELOC provides flexible, low-rate access to your home equity. Borrow only what you need, when you need it.
  - [High Balance Nationwide](https://www.universalmortgage.com/home-loan-programs/high-balance-nationwide): The High Balance Nationwide Product is a variation on a high balance conventional loan. It is underwritten mostly to Fannie Mae guidelines, with the exception of some overlays.
  - [Cash Out Refinance](https://www.universalmortgage.com/home-loan-programs/cash-out-refinance): Cashing Out refers to the refinancing of a loan where the homeowners will borrow money on their own home and “cash out” a certain amount of funds.
  - [VA Loans](https://www.universalmortgage.com/home-loan-programs/va-refinance-loans): This loan is made exclusively available to veterans of the United States Armed Forces to facilitate the purchase of a home even with less than perfect credit. This loan allows the borrower to finance up to 100% of the purchase price. Active Duty – Vetera
- [Non-QM](https://www.universalmortgage.com/non-qm-loans): Self-employed? Non-traditional income? We offer flexible non-QM loans for investors, business owners, and high-net-worth borrowers. Bank statements accepted.
  - [Bank Statement Loans](https://www.universalmortgage.com/non-qm-loans/bank-statement-loans): Self-employed borrowers: Qualify using 12-24 months of bank statements instead of tax returns. Competitive rates for business owners and freelancers.
  - [DSCR Loans](https://www.universalmortgage.com/non-qm-loans/dscr-loans): Real estate investors: Qualify based on rental income, not personal income. DSCR loans with no tax returns or employment verification required. Fast closings.
- [Reverse](https://www.universalmortgage.com/reverse-mortgage): A Reverse Mortgage is a loan available to homeowners 62 years or older who may be eligible to borrow against the equity in their home.
- [Foreign National](https://www.universalmortgage.com/foreign-nationals): Want to buy a home in the United States, but you're not a US Citizen? No problem, Our Foreign National Loan Program makes buying a home in the US easier for non-US citizens.
- [Mortgage Calculators](https://www.universalmortgage.com/calculators): Miami Homebuyers - use our Mortgage Calculators to estimate your mortgage payment or to see how much you can save.
- [Frequently Asked Mortgage Questions](https://www.universalmortgage.com/mortgage-information/frequently-asked-mortgage-questions): Are you confused about the mortgage process? You will find the answers to several frequently asked mortgage questions below.
- [Loan Process](https://www.universalmortgage.com/mortgage-information/loan-process): The mortgage loan process explained in easy to understand language by Universal Mortgage, LLC
- [Mortgage Glossary](https://www.universalmortgage.com/mortgage-information/mortgage-glossary): Confused about mortgage terms? Universal Mortgage, LLC has posted the following helpful definitions.
- [About {{ company.name }}](https://www.universalmortgage.com/about-us/aboutus): About Us - Universal Mortgage, LLC
- [Affiliations](https://www.universalmortgage.com/about-us/affiliations): South Florida Hispanic Chamber of Commerce | Coral Gables Chamber of Commerce | Miami Association of Realtors | Oak Hammocks
- [Reviews](https://www.universalmortgage.com/about-us/reviews): Read Real Reviews about Universal Mortgage, LLC
- [Blog](https://www.universalmortgage.com/about-us/blog): The official blog for Universal Mortgage, LLC Read the latest news and reviews of our company.
- [Meet Our Professionals](https://www.universalmortgage.com/about-us/meet-our-professionals): Find a mortgage professional from Universal Mortgage, LLC to help you buy or refinance a home.
- [Join Our Team](https://www.universalmortgage.com/about-us/join-our-team): Are you interested in working for Universal Mortgage, LLC? Apply today and work with a great team of people.
- [Contact Us](https://www.universalmortgage.com/contactus): Get in touch with Universal Mortgage, LLC today.
- [Get a Quote](https://www.universalmortgage.com/get-a-quick-quote): Get a personalized quote from Universal Mortgage, LLC tailored to your needs. Discover your options and take the first step today!
- [Mortgage News](https://www.universalmortgage.com/mortgage-news): Breaking Mortgage News from Universal Mortgage, LLC
- [Our Partners](https://www.universalmortgage.com/our-partners): Partners, affiliates, associates and/or more from Universal Mortgage, LLC in Florida.

## Loan Officers

- [Alain Perez](https://www.universalmortgage.com/alain): Loan Originator, NMLS #1215773
- [Alex Garcia](https://www.universalmortgage.com/alex): Loan Originator / Partner, NMLS #677151
- [Alina Fleites Tellez](https://www.universalmortgage.com/alina): Mortgage Loan Originator, NMLS #2150579
- [Arthur Harris](https://www.universalmortgage.com/arthur): Financial Consultant, NMLS #1067967
- [Belkys Rodriguez](https://www.universalmortgage.com/belkys): Principal Loan Originator / Partner, NMLS #391528
- [Brandon Carrero](https://www.universalmortgage.com/brandon): Head of Growth | Mortgage Banker, NMLS #314143
- [David Broughton](https://www.universalmortgage.com/david): Mortgage Loan Originator, NMLS #2298275
- [Denise Torres Rancour](https://www.universalmortgage.com/denise): Mortgage Loan Originator, NMLS #1420501
- [Edith Diaz](https://www.universalmortgage.com/edith): Loan Originator, NMLS #2214144
- [Gregory Mlacker](https://www.universalmortgage.com/gregory): Loan Originator, NMLS #1545787
- [Jakse Morejon](https://www.universalmortgage.com/jakse): Mortgage Loan Originator, NMLS #1683759
- [Javier Diaz](https://www.universalmortgage.com/javier): Mortgage Loan Originator, NMLS #2634557
- [Jose Gonzalez](https://www.universalmortgage.com/josegonzalez): Loan Originator, NMLS #2121403
- [Joshua Martin](https://www.universalmortgage.com/joshua): Mortgage Loan Originator, NMLS #2105524
- [Kelvin Andrade](https://www.universalmortgage.com/kelvin): Loan Originator, NMLS #1135008
- [Lazaro Munoz](https://www.universalmortgage.com/lazaro): Loan Originator, NMLS #2373739
- [Manny Bustillos](https://www.universalmortgage.com/manny): Mortgage Loan Originator, NMLS #1642347
- [Michelle Contreras](https://www.universalmortgage.com/michelle): Mortgage Loan Originator, NMLS #386355
- [Natalie Raymond](https://www.universalmortgage.com/natalie): Mortgage Loan Originator, NMLS #2621447
- [Ricarda Medina](https://www.universalmortgage.com/ricarda): Mortgage Loan Originator, NMLS #2553417
- [Samantha Alech](https://www.universalmortgage.com/samantha): Mortgage Loan Originator, NMLS #598941
- [William Morales](https://www.universalmortgage.com/william): Loan Originator / Partner, NMLS #1010911

## Blog

- [Fixer-Upper or Move-In Ready: A First Home Guide](https://www.universalmortgage.com/blog/340504/purchasing-a-home/fixer-upper-or-move-in-ready-a-first-home-guide)
- [What is a Limited Cash-Out Refinance?](https://www.universalmortgage.com/blog/339962/refinancing-a-home/what-is-a-limited-cash-out-refinance)
- [How to Afford a Home on a Single Income: Your Complete Roadmap](https://www.universalmortgage.com/blog/339545/purchasing-a-home/how-to-afford-a-home-on-a-single-income-your-complete-roadmap)
- [Florida Amendment 3 Explained: What the New Homestead Exemption Means for Homeowners and Buyers (2027–2028)](https://www.universalmortgage.com/blog/339501/homeowners/florida-amendment-3-explained-what-the-new-homestead-exemption-means-for-homeowners-and-buyers-2027-2028)
- [Should You Use a Family Member as Your Real Estate Agent?](https://www.universalmortgage.com/blog/339422/purchasing-a-home/should-you-use-a-family-member-as-your-real-estate-agent)
- [How Long Does It Take to Sell a Home? A Practical Timeline](https://www.universalmortgage.com/blog/338878/purchasing-a-home/how-long-does-it-take-to-sell-a-home-a-practical-timeline)
- [Acceleration Clauses in Real Estate: What Homeowners Should Know](https://www.universalmortgage.com/blog/338464/purchasing-a-home/acceleration-clauses-in-real-estate-what-homeowners-should-know)
- [The Scariest Thing About Renting Isn't on Your Doorstep This Halloween](https://www.universalmortgage.com/blog/338340/the-scariest-thing-about-renting-isnt-on-your-doorstep-this-halloween)
- [VA Non-Allowable Fees: What Veterans Should Know](https://www.universalmortgage.com/blog/337794/va-loans/va-non-allowable-fees-what-veterans-should-know)
- [VA Funding Fee Explained: What Homebuyers Should Know](https://www.universalmortgage.com/blog/337364/va-loans/va-funding-fee-explained-what-homebuyers-should-know)

## Optional

- [Privacy Policy](https://www.universalmortgage.com/privacy-policy): Our Privacy Policy explains what we do to protect and maintain your information and to let you know how you can limit the information that we share with others.
- [Texas Bankers SML Consumer Notice](https://www.universalmortgage.com/texas-bankers-sml-consumer-notice): Required disclosure for Texas mortgage customers. View the Texas Bankers SML Consumer Notice as mandated by state law.
- [Licensing](https://www.universalmortgage.com/licensing): Licensing information for Universal Mortgage, LLC, offering solutions to your home loan, mortgage, refinance, and debt consolidation needs.
- [Texas Brokers SML Consumer Notice](https://www.universalmortgage.com/texas-brokers-sml-consumer-notice): Required disclosure for Texas mortgage customers. View the Texas Brokers SML Consumer Notice as mandated by state law.
- [Terms & Conditions](https://www.universalmortgage.com/terms-and-conditions): Explore Universal Mortgage, LLC's Terms & Conditions to know what to expect when using our services.
- [Customer Complaints](https://www.universalmortgage.com/customer-complaint-policy): Your satisfaction with our company is one of our highest priorities and we take complaints very seriously.
- [Accessibility Statement](https://www.universalmortgage.com/accessibility-statement): At Universal Mortgage, LLC we strive to ensure our website is ADA accessible to people with disabilities.