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Is a 15-Year Mortgage a Good Choice?

These shorter loans come with higher monthly payments but much lower interest rates. This might save you a boat-load of money, especially if you are already a homeowner, trading up with lots of equity Dec 26, 2025

Merry Christmas

As the holiday season fills our hearts with joy and our homes with warmth, we want to take a moment to wish you and your family a very Merry Christmas! From all of us at Universal Mortgage, LLC, thank Dec 23, 2025

VA Home Loans: Benefits, Eligibility, and How to Apply

VA home loans provide valuable benefits for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer advantages that Dec 18, 2025

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