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Office Locations

Salisbury, MD - NMLS# 809029
106 Milford St, Suite 402
Salisbury, MD 21804
Phone: (410) 334-3583
Fax: (888) 738-5954


Ocean City, MD - NMLS# 1189020
9919 Stephen Decatur Highway, Suite E3
Ocean City, MD 21842
Phone: (877)-213-8855


Bear, DE - NMLS# 1019975
100 Becks Woods Drive, Suite 202
Bear, DE 19701
Phone: (302) 261-6445
Fax: (888) 263-5335
License information


Glen Burnie, MD - NMLS# 1177562
1415 Madison Park Drive
Glen Burnie, MD 21061
Phone: (443) 679-5610
Fax: (443) 679-5607

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Welcome to Universal Mortgage and Finance, Inc.

We are a licensed direct mortgage lender with in-house processing and underwriting allowing us to have one of the fastest turn times in the industry.  All of our home loan specialists are licensed and have gone through the required National Mortgage Licensing System (NMLS) education, testing, and background checks so you can be assured you are working with a true career professional.

Whether you are looking to purchase your first home or your last, refinance, or invest, we have a wide variety of products available to help you meet your needs.

Conventional, FHA, VA, USDA, Refinance, and Reverse Mortgage Products - MarylandMortgage Products

We Offer Lender Credits up to 2% Toward Buyers Closing Costs!

At Universal Mortgage we have the ability to offer a lender credit up to 2% of the your loan amount towards closing costs on qualifying purchases and qualified applicants. This can assist in making home buying more affordable and help with the negotiating of the purchase of your new home.

We have a variety of finance options including programs, some with no money down.

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