Universal Mortgage is a full service mortgage direct lending institution with an experienced staff offering expertise in every area of mortgage lending. From purchase to refinance to construction lending, we have access to a full range of mortgage sources and all of our specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. Whether you are looking for a Conventional, FHA, VA, USDA, Reverse, 203k, Consolidation or Streamline loan, we are the company for you!