🏡 First-Time Homebuyer Specialists

Your First Home Is More Affordable Than You Think

Buying your first home doesn't have to be complicated or scary. We'll guide you through every step and show you programs that make homeownership possible even if you think you're not ready.

See What You Qualify For Schedule a Consulation

Find the Perfect Loan for Your Dream Home

💥 Mortgage Myths

Let's Bust Some Myths

What you think might be stopping you probably isn't true ...

Myth

"I need a large down-payment"

Reality

Many first-time buyer programs require just 3% down, and some require nothing at all. That $350,000 home? You might only need $10,500 down.

Myth

"My credit score isn't good enough"

Reality

FHA loans accept credit scores as low as 580, and some programs go even lower. Less-than-perfect credit doesn't automatically disqualify you.

Myth

"I can't afford it with student loans"

Reality

Student loans are factored into your debt-to-income ratio, but they don't automatically disqualify you. Many first-time buyers with student debt get approved.

🏡 Miami Mortgage Lender

Universal Mortgage

Simplifying Home Financing with Expert Guidance

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 Lender is here to serve you.

Get Started Schedule a Consulation

Your Path to Homeownership

We break it down into simple, manageable steps

Get Pre-Approved

Find out what you can afford and what programs you qualify for. Takes just a few minutes.

Get Pre-Approved

Learn the Process

We'll educate you on every step so you feel confident, not confused.

Start House Hunting

Armed with your pre-approval, you can shop with confidence and make competitive offers.

Close & Move In

We handle the paperwork and details. You get the keys to your new home!

Reviews from Real Customers

Brandon Carrero

1 week ago

Highly recommend the staff goes above and beyond!

View on Google

Danielle Hutchisson

1 month ago

Excellent company to work with. The staff is amazing and very knowledgeable and helpful and assist w ...

Excellent company to work with. The staff is amazing and very knowledgeable and helpful and assist with simplifying and expediting all processes. Definitely recommend them for any of your lending needs!

Read more Hide

View on Google

Jose Beaumont

2 months ago

I worked with Manny Bustillos when I purchased my first home. I was always told in the past how stre ...

I worked with Manny Bustillos when I purchased my first home. I was always told in the past how stressful purchasing a home was, but honestly this was the easiest purchase I've ever done. Manny took the wheel the entire ride and took us home in a very short period of time. In fact, we were so quick that the seller ended up being the one we had to wait for. They were just as in shock. Go Manny!

Read more Hide

View on Google

javier diaz

2 months ago

It's the best company; their staff is amazing. They made the process of getting the loan incredibly ...

It's the best company; their staff is amazing. They made the process of getting the loan incredibly easy!

Read more Hide

View on Google

Melissa D

1 year ago

Being a first-time home buyer, I went into this process very nervously. I had been in contact with a ...

Being a first-time home buyer, I went into this process very nervously. I had been in contact with a Universal Mortgage team member for a couple of months before beginning the process, which gave me the confidence to move forward. They were there to answer all my questions, set up a timeline and the list of documents I needed to make this process seamless. Even when I was not 100% ready to buy, he was patient throughout the whole process, and he ensured I felt comfortable every step of the way. It was a pleasure working with Alain Perez, and I would highly recommend him to anyone looking to jump into a new homeownership endeavor.

Read more Hide

View on Google

Jorge A

2 years ago

Joshua is an asset to Universal Mortgage. Joshua helped us from the moment we started the mortgage l ...

Joshua is an asset to Universal Mortgage. Joshua helped us from the moment we started the mortgage loan process until closing date. Joshua and the team in Universal Mortgage were very professional and ready to answer all the questions we had.

Read more Hide

View on Google

Edith Diaz

3 years ago

Mejores de mejores en toda florida Mejores interés 100% garantizado

View on Google

Eduardo Cepeda

5 years ago

hello ok lets start with a super team you guys have Dirian,Luis,Belkys and the others i never seen a ...

hello ok lets start with a super team you guys have Dirian,Luis,Belkys and the others i never seen a team of work so good and professional in my life always go the extra mile to get your goal come true explain everything to me like a bay i cant really say how happy im with you guys will recommend to anybody who really wants to buy a property.

Read more Hide

View on Google

Matthew Gomez

5 years ago

Universal Mortgage has an amazing team. Will walked me through the entire process and was very detai ...

Universal Mortgage has an amazing team. Will walked me through the entire process and was very detailed on everything. They do all they can to make sure that your purchasing process goes smoothly and go the extra mile. Thank you for assisting me in purchasing my home and will definitely return when purchasing future properties.

Read more Hide

View on Google

Saadia Uscategui

5 years ago

I had the pleasure of working with this company on two VERY difficult closings... Everything you can ...

I had the pleasure of working with this company on two VERY difficult closings... Everything you can imagine that can go wrong happened… A chain of 2 buyers and 3 sellers all needing to sell in order to buy… Universal went above and beyond to make my deals happen in a timely matter... they were communicative, fast, responsive and precise... Not only was I the realtor on two out of the three transactions, but I was also the Seller and Buyer on two of the deals… So more than a professional opinion, on a personal note, It was a pleasure to work with Belkys, Diriana and their team… I can’t thank you enough… Thank you for helping me get to my forever home… In the future, I will absolutely choose to work with Universal again… Great having you on my team!

Read more Hide

View on Google