Only you know what's best for you and what you want in a house. And we know the ins and outs on how to get you there.
Whether you're a first time home buyer, found your new home or just starting to look, U1's experienced mortgage partner, Superior Financial Solutions, is here as a resource.
From Conventional to Refinancing mortgage loans, our expertise in the home buying process is readily available. We'll take the time to understand your home needs, step by step, and provide the best options to fit your circumstances.
Conventional, FHA or VA Loans. When you invest in a home it takes on personal meaning. We get that. That's why U1 is here to help secure yours. Learn more
For more information on the different types of mortgages available, you can check out our new blog post: 8 Types of Mortgages.
Requirements needed to apply
2 years w-2s.
30 days of paystubs (4 weekly paid, 2 for biweekly).
If you have retirement income, we will need your yearly award letter.
If you have social security income, we will need the yearly award letter.
2 months of bank statements.
Homeowner's Insurance Quote if purchasing or declaration page if refinancing.
Fixed Rate Vs. Adjustable Rate
Fixed Rate
The mortgage rates do not change for the term of the loan. Your monthly payments will remain the same throughout the life of the loan.
Adjustable Rate
If you're looking for lower initial monthly payments or plan on being in your home for short term, an adjustable rate mortgage can be beneficial. The rate can fluctuate up or down after the initial rate expires.
Discover helpful Tips for advice on the best time to buy a home and what steps to take when applying for a mortgage loan.
Go to slide 1
Go to slide 2
As a first-time homeowner/buyer, I had no idea what I was doing. Karen who was our loan officer, is a saint! She is EXTREMELY kind, sweet and was patient with me and my parents (who lived in another state). She was there at all hours of the day to answer all questions and she explained everything in detail. Thank you Karen for making this whole loan process easy and painless!"
- Kim B
"Karen was a great help in buying my first home. The process was made easy by Karen as she promptly resolved all questions and issues. I am happy to have used Universal 1 as my lender.”
- Levi
Need help on applying for a home loan? Visit a local office, send a message, email or give us a call.
All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rates and terms subject to change.
