Questions? Call Us Today

Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?

Credit card debt affects millions of Americans, with high interest rates making it difficult to make meaningful progress toward becoming debt-free. A Home Equity Line of Credit (HELOC) offers one pote Dec 16, 2025

Use a VA Energy Efficient Mortgage for Home Improvements

The VA Energy Efficient Mortgage (EEM) program helps veterans and service members finance energy-saving home improvements as part of their VA home loan. This program allows you to include the cost of Dec 11, 2025

Starter Home vs. Forever Home: Making the Right Choice

Choosing between a starter home and a forever home represents one of the most significant financial decisions you'll make. Each option offers distinct advantages and challenges that affect your immedi Dec 09, 2025

Inheriting Property with Siblings

Inheriting a home with siblings creates both emotional and financial challenges. The property represents family memories while simultaneously requiring practical decisions about ownership, expenses, a Dec 04, 2025

Buying a Property with Existing Tenants

It's thrilling to purchase a home, and it becomes even more fascinating when renters are included in the agreement! Buying a home that is already occupied by tenants can result in immediate rental rev Dec 02, 2025

Wishing you a Happy Thanksgiving!

As we gather with family and friends this Thanksgiving, we're taking a moment to reflect on what we're most grateful for—and that includes you. From all of us at Universal Mortgage, LLC, thank y Nov 26, 2025