UNIVERSAL TRUST MORTGAGE (UTM)

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How can we help you?

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Let's get started. What are you trying to do?

Purchase

Refinance

Where are you looking to buy a home?

*

Where is your home located?

*

Are you a first-time home buyer?

Yes

No

Are you planning to sell a home in addition to buying one?

Our Loan Officers can help you understand your options.

Yes

No

Where are you at in the home-buying process?

Just Looking at Listings

Touring Homes

Making or Made an Offer

Under Contract

Are you working with a real estate agent?

If you are, we will connect with your agent to make sure we keep them updated about your loan

Yes

No

What kind of home are you looking for?

It can make a difference in the type of loan you can get.

Single Family Home

Townhome

Condominium

Mobile or Manufactured

What kind of home do you currently own?

It can make a difference in the interest rate you get.

Single Family Home

Townhome

Condominium

Mobile or Manufactured

How do you plan to use your new home?

Your loan options may vary depending on the home's use.

Primary Residence

Secondary or Vacation Home

Investment Property

How are you using this home?

Your home loan options may vary depending on the home's use.

Primary Residence

Secondary or Vacation Home

Investment Property

Are you (or your spouse) a veteran or active duty military?

If so, you may qualify for a VA loan.

Yes

No

Are you (or your spouse) a veteran or active duty military?

If so, you may qualify for a VA Interest Rate Reduction Refinance Loan (IRRRL).

Yes

No

What is your target Purchase price?

It is ok to estimate. *

What is the value of your home?

It is ok to estimate. *

What is the balance of your current loan?

It's ok to estimate. *

What is your current interest rate?

It's ok to estimate, or skip if you don't know. *

What is your current monthly payment?

It's ok to estimate.

Do you have a second mortgage or a home equity line of credit on this property?

Yes

No

What's the balance of your second mortgage or home equity line of credit?

It's ok to estimate. *

Do you want to borrow additional cash when you Refinance?

Yes

No

How much do you have for a down payment?

Military service may qualify you for a VA loan, which does not usually require a down payment. However, you can choose to make a down payment to lower your monthly mortgage payment.

What is your annual income before taxes?

The amount you may qualify for depends partially on your income. *

Do you know your credit score?

It is ok to estimate.

Excellent: 740 and above

Good: 700-739

Average: 660-699

Fair: 620-659

Poor: 619 Or Below

I do not know

Are you self-employed?

Yes

No

Have you had a bankruptcy, foreclosure, or short sale in the past 4 years?

Experiencing one of these events does not mean that you can not get a loan, but it can affect your eligibility for certain loan programs.

Yes

No

Almost there! What is your name?

First name *

Last name *

Nice to meet you. What is your email address?

Email *

What is the best number to reach you?

Cell phone *

Thank you!

We have received your request and will contact you shortly.

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Enjoy a Lower Monthly Payment!

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UNIVERSAL TRUST MORTGAGE (UTM)

Miami, Florida

561-452-4632

NMLS: 2034806

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