At UMF we take the time to educate you first, guided by the principles of transparency, accuracy, and responsiveness;supported by the top lending partners in the industry. PurchaseFirst-time home buyers, empty-nesters, up-sizers, and down-sizers; we've got you covered and your best rate is guaranteedRefinanceUnlock your hard-earned equity to lower your payments, consilidate debt, undertake home improvements, or just take a vacation around the world.SpecialtiesGoing beyond conventional and government, we cover the spectrum; from alt-income to soft or hard money, foreign , jumbos, commercial, and business loans.NMLS Consumer Access:https://nmlsconsumeraccess.org/