UNI Worldwide Financial Service can provide a true One-stop shop service for all your realty and mortgage needs. We are also committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of stats. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage professionals can help make your dreams come true.
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Loan we offer
Take the time to learn more about the types of loans we provide by selecting one of the links on the right.
B/C Loans do not meet the credit requirements of Fannie Mae and Freddie Mac. They are known as B, C and D paper loans. Loan applicants typically have a bad credit history, have filed for bankruptcy, or have had a property in foreclosure. B/C Loans are often issued as temporary loans until the applicant can restore credit and qualify for conforming "A" loans. Interest rates on B/C Loans are generally higher than for conforming "A" loans.
Fixed Rate Mortgage
With a fixed rate mortgage, the interest rate does not change for the term of the loan; the monthly payment is always the same. Typically, the shorter the loan period, the more attractive the interest rate will be.
TransEasy Loan No Tax Returns / No Income Verificaion / No Cash Reserves Required / Reasonable Interest Rate / Funding as fast as 2 - 3 weeks / Requires property as collateral
Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae and Freddie Mac. Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community. The conforming loan limit is adjusted every year to reflect changes in the average price of a home in the U.S. The annual limit is set by Fannie Mae’s and Freddie Mac’s federal regulator, the Federal Housing Finance Agency (FHFA) and announced in November.
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits. Rates on jumbo loans are typically higher than conforming loans. Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes. Typically Jumbo Loans require a higher down payment than traditional loans.
RHS Loan Programs
The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence. RHS Loans are an attractive option because: Minimal closing cost / Low or no down payment
Conventional loans are mortgage loans offered by non-government sponsored lenders. These loan types include: Fixed Rate Loans / Balloon Mortgages and Pledge Asset Loans / Jumbo&Construction Loans / Reverse Mortgage
Location Efficiency Mortgage (LEM)
Location Efficient Mortgages are available to individuals purchasing more expensive homes in areas where with efficient public transportation systems. These loans take into account monies saved on the expenses related to owning or leasing automobiles.
State and Local Housing Programs
State and Local Housing Programs: Many state, county and local government programs offer financing for qualifying low-to-moderate income families wishing to purchase their first home. Loan assistance programs like Mortgage Credit Certificate (MCC) offer a partial tax credit for interest on the loan. These programs typically offer: More relaxed qualifying guidelines Lower upfront fees / Lower interest rate / Fixed rate
FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development. FHA loans are an attractive option, especially for first-time homeowners: Generally easier to qualify for than conventional loans. / Lower down payment requirements. / Cannot exceed statutory loan limits.
Niche Loan Products
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Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.
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