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Universal Mortgage has the right products to fit all your Mortgage needs.

Find the Right Home Loan

Welcome to
Universal Mortgage – Miami Mortgage Lender

Located in Coral Gables, Universal Mortgage is a licensed Florida mortgage correspondent lender which specializes in residential and commercial financing. Our goal is to help everyone achieve the American dream of home ownership.

At Universal Mortgage LLC, we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use “common sense” and will help you obtain the best loan possible. We represent a wide range of “A” rated lenders with first quality rates to private “hardship” lenders. This allows us to get you the best mortgage rates on all types of home loan programs including: 30 year and 15 year mortgages, 1 year, 3 year and 5 year ARMS, Miami FHA Loans, Conventional Loans, Jumbo Loans, Home Equity Lines, VA Loans and Reverse Mortgages. Whatever your situation calls for we’ll fit your needs.

Each of our staff takes great care in educating and helping our customers through each step of the process. By utilizing our services you not only have access to the best loan products available in the marketplace, but you will benefit from our over 20 years of experience in the mortgage industry.

The friendly staff at Universal Mortgage, Miami’s leading Mortgage Brokers is here to serve you.

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Mortgage Client Testimonials

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Joshua is an asset to Universal Mortgage. Joshua helped us from the first minute we started the mortgage loan process to the closing date. Joshua is very knowledgeable of the industry and the few times there was a question he was not sure about the answer, he will get back to me after consulting with his boss. getting a mortgage loan is a long process that involves a great deal of paperwork. Josh & the crew in Universal Mortgage made it "look" easy.

Jorge A. Arias


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First and foremost, I have to admit, I felt like he fought harder for me to get the loan approved! I came to him with a few obstacles but he came through and got me approved for everything! He made the process very smooth on my end. I recommend Jose 100%!

Michel Hernandez

Working with Jose was so easy. Great communicator, was on top of every step to make sure we got to the closing table. Look forward to working with him again.

Nicole Rodriguez

Universal Mortgage is by far the best mortgage company I've ever worked with. They made my dreams of homeownership possible when no other mortgage company could. Thank you William and team!

Natividad Gomez

Dear William, Thank you for all your help in my mother’s refinance of her property. She was very nervous, but felt very confident and reassured at the end of the process. Thank you for your patience and care. You were very thorough in explaining all the paperwork and this gave her the peace of mind she needed. Look forward to working together again in the near future.