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Is Your Mortgage Payment Too High? Here’s How to Lower It
A high mortgage payment can quietly strain your budget month after month. The good news is that your payment is not fixed forever. With the right strategies, many homeowners can reduce their monthly o Jan 06, 2026
🎉 Happy New Year 2026! 🎉
As we say goodbye to another year and ring in 2026, we want to thank you for letting us serve you and your family. From all of us, we hope your New Year is filled with health, happiness, and exciting Jan 01, 2026
FHA Compensating Factors: Strengthening Your Loan Application
FHA loans provide accessible homeownership opportunities through lower down payment requirements and flexible credit standards. However, some applicants fall just short of standard qualification crite Dec 30, 2025
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