Mortgage solutions built around you.
Typical brokers and banks lose about 1 in 4 files. We have successfully closed 100% of the files we take on. Buyers get the house they love, buying Realtors close on schedule, and listing Realtors get offers they can trust.
What we solve every week
Real scenarios, real approvals.
- First-time buyer with 3.5% down FHA
- Self-employed, no W-2 income Bank Statement
- Rental property, qualify on rent DSCR
- Lower my monthly payment Refinance
The right loan for every kind of borrower
As a broker, we work directly with the nation's mega wholesale lenders and shop your scenario across them, instead of forcing you into one bank's box.
Home Purchase
Conventional, FHA and VA loans for buying your first home or your next one.
- Down payments from 3% to 3.5%
- First-time buyer friendly programs
- VA options for veterans
- Vesting in your name or your living trust
Refinance
Already own? Put your equity and today's market to work for your monthly budget.
- Rate-and-term: lower payment or shorten your term
- Cash-out for renovation, debt payoff or investing
- Remove FHA mortgage insurance
- Free refinance review of your current loan
Non-QM and Bank Statement
Own a business? Qualify with real cash flow instead of tax returns and W-2s.
- 12 or 24 months of bank statements
- 1099 and P&L based programs
- Recent credit events considered
- Flexible income documentation
- Foreign national and ITIN options
DSCR and Investor Loans
Grow your rental portfolio. Qualify on the property's rental income, not your personal income.
- No personal income verification
- Purchase, refinance or cash-out
- Short-term and long-term rentals
- Close in an LLC, corporation or living trust
A clear path from hello to keys
Talk
A 15-minute call about your goals, income and timeline. No documents needed yet.
Pre-Approve
We review your scenario, shop lenders and issue a pre-approval letter you can shop with.
Lock and Process
Once you are in contract we lock your rate and manage every document and deadline.
Close
You sign, we fund, you get the keys. On time, with no surprises at the table.
A mortgage partner, not a call center
- Broker advantageAccess to a network of wholesale lenders means more programs and competitive pricing for your exact scenario.
- Specialists in the hard filesSelf-employed borrowers, investors, and buyers vesting in a living trust or entity are our strength, not an exception we turn away.
- Updates before you askClear weekly progress updates to you and your realtor, every file, every time.
How we work, on every single file
Professional and insightful
We analyze your full financial picture and property portfolio before recommending anything, so the loan strategy fits your life and your long-term goals, not just today's rate sheet.
Honest and caring
We pursue the best possible outcome from your point of view and sweat the small details, so your file is complete and clean before it is ever submitted. No surprises, no last-minute scrambles.
Direct lender relationships
We work directly with the nation's mega wholesale lenders. That means sharper pricing, faster underwriting turn times, and more programs to fit your exact scenario.
How we take care of you: three real files
The purchase two appraisals had killed
Hanna and Tim were buying a $2.6M home that had once operated as a day care, so two appraisals refused to call it residential and their bank walked away. No contingencies against a cash offer, less than two weeks to close, and an $80K deposit about to be lost. We structured the loan for mixed-use commercial and residential property and closed on time. They are now planning a renovation with an ADU that their team projects could put the finished value at $5M to $7M, with a cash-out path to recover what they put in.
Three states, one trust, one clean closing
Theodore and Laura wanted to cash out three houses in different states, held in an irrevocable trust behind a portfolio of 80+ companies and 10+ properties. We ran a deep analysis of every asset, debt and income scenario, matched each house to the right program across our wholesale lenders, and managed the vesting so title moved from the trust to the individuals and seamlessly back to the trust at closing.
The small things that keep closings on schedule
Dan and his realtor followed his loan in real time on our status portal, and every sensitive document went through a secure upload link, never email. Before pulling credit, we enrolled him in opt-out prescreening so no flood of telemarketing calls followed the next day. A week before the appraisal, our preparation checklist surfaced a non-working detector; he replaced it, the appraisal passed the first time, and the closing stayed on schedule.
Why Realtors Choose Univos
100% of our files closed
The industry's average closing rate runs around 75 percent. We have successfully closed 100% of the files we take on. It is the hardest standard in lending to keep, and we keep it. When your buyer is with us, the deal is handled.
A pre-approval listing agents trust
Our pre-approvals carry weight. When a listing agent wants reassurance before choosing your buyer, we pick up the phone and have that conversation directly.
Competitive rates, told honestly
Our rates are sharp, but we will never overpromise to win a deal. A lowball quote that falls apart damages your reputation and ours.
We are lenders, not Realtors
We do not sell real estate and never will. We are not exclusively affiliated with any brokerage, and when the buyers we serve are ready to buy or sell again, they go back to their Realtor.
People close loans, not programs
Loan programs change. Lenders change. What stays constant is the MLO who gets it done for you, backed by senior-level lender relationships.
You never chase us for an answer
A proactive status update to you and your client every week on a set day, and an email or text back within 24 hours whenever you reach out. Even when the honest update is nothing new, you still get it.
Industry closing rate per ICE Mortgage Technology Origination Insight Report.
Your clients close on time.
You hear from us first.
Your reputation rides on every referral. We treat your clients like our own and keep you in the loop at every milestone.
The Univos Partner Promise
Pre-approvals within 24 hours
Complete files get a pre-approval letter within 24 hours when your buyer finds the one. Your offer never waits on us.
Updates before you ask
A proactive status update to you and your client every week on a set day, and an email or text back within 24 hours whenever you reach out. You will never chase us for an answer.
Your client stays your client
No cross-selling, ever. After closing we point your client straight back to you, and our annual mortgage reviews give them a reason to call you for their next move, not a stranger.
We rescue the tough files
Self-employed buyers and investors that banks turn away often still qualify with bank statement and DSCR programs. Buyers you thought were lost become closed transactions.
Let's talk about your scenario
Tell us a little about your goals and we will reach out within one business day. Prefer to talk now? Call or text any time.
- Call / Text (240) 800-6688
- Email ethan@univosfunding.com
- Hours Mon to Sat, 9am to 7pm PT