Universal Mortgage & Finance. FHA, VA, USDA & Reverse Mortgage Services

Recent Awards & Recognition

Jamie Anecharico, Mike Ciorrocco, and Chris Short of the Ocean City Branch on the cover of the July/August issue of Coastal Style Magazine. Check out the story on page 50.Mike Ciorrocco of Universal Mortgage and Finance wins the 2015 Affiliate of the Year Award from Coastal Association of REALTORS®.

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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
9925 Stephen Decatur Highway, Suite E3
Ocean City, MD 21842
Phone: (877)-213-8855

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

Chesapeake City, MD - NMLS# 1298047
2525 Augustine Herman Hwy
Chesapeake City, MD 21915
Phone: (410) 885-7008
Fax: (410) 885-7023

Towson, MD - NMLS# 1456635
1412 E Joppa Road
Towson MD 21286
Phone: (800) 249-8052

Welcome to Universal Mortgage and Finance, Inc.

We are local mortgage lenders 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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