Personalized Mortgage Experience
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Mortgage Programs
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Yes! There are a number of bond programs that offer low or no down payment financing options.
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

A Lender Who Understands That Your Reputation Is on the Line Every Time
Brian Faeth at Universal Home Lending is veteran-owned, veteran-operated, and serving all of Florida. And the pitch to realtors is direct enough to fit in a sentence. One job. Make you look good in front of your clients.
Fast pre-approvals. Clear communication. Zero drama closings. That is the mission and everything else flows from it.
What a Real Lending Partnership Actually Looks Like
Most realtors have had the experience of a lending partner who goes quiet after the contract is signed, who has to be chased for updates, and who delivers surprises at the closing table that nobody saw coming. That is the version of a lending partnership that damages relationships, costs referrals, and creates the kind of stress that makes clients think twice about recommending their agent to anyone they know.
What Brian Faeth is offering is the other version.
A loan officer who actually picks up the phone. Not always in a meeting. Not calling back the next day. Picks up.
Updates before you have to ask for them. Your client should hear about their loan status from you because Brian already told you. Not from Brian directly because you had to track down what was happening on a file that was supposed to close last week.
Clients who show up to closing happy rather than stressed. Because the process was managed correctly from the beginning, expectations were set accurately, and no surprises arrived at the worst possible moment.
And a partner who protects your reputation like it is his own. Because when a closing goes sideways your name is attached to the experience whether or not the problem was your fault. Brian understands that and operates accordingly.
Whatever Walks Through Your Door There Is a Program That Fits
One of the most common frustrations realtors experience with lending partners is getting a client to the financing conversation only to find out the lender cannot help with the specific scenario in front of them. The conventional lender who cannot handle DSCR. The retail bank that does not do ITIN. The lender who has never seen a foreign national buyer before.
Brian Faeth at Universal Home Lending covers the full range. Conventional, FHA, VA, and USDA for primary residence buyers across every price point. Investment property financing through DSCR programs that qualify on rental income rather than personal income. Hard money and fix and flip for investors who need speed and flexibility. ITIN loans for buyers who do not have a Social Security number. Foreign national programs for international buyers purchasing in Florida. Whatever scenario your client represents there is a program conversation worth having.
That breadth matters in a market like Florida where the buyer population is genuinely diverse and where the agent who can consistently deliver financing solutions for the widest range of clients builds a reputation that competitors without the right lending partners simply cannot match.
Let's Close More Deals and Build Something Real
Your clients are Brian Faeth's priority. Your trust is what the partnership is built on. And the goal is to get more Florida families into homes by combining your real estate expertise with a lending partner who shows up, communicates, and delivers.
Text, call, or DM Brian Faeth to start the conversation about what a real lending partnership looks like and how working together can help you close more deals with less stress for everyone involved.
Sources
VA.gov
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
NationalMortgageProfessional.com
FloridaRealtors.org
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