Our loan officers have over 20+ years of experience!
Making your home buying dreams a reality
Buying a home should be exciting, not stressful. Whether it’s your first purchase, a refinance, or an assumption, our team of loan officers treat you like family, making the process smooth and worry-free.
Start an applicationServices
Services
Purchase
We offer great rates on a variety of loans, including FHA, VA, Conventional, USDA, and Down Payment Assistance. As brokers, we save you time by shopping multiple lenders to find the best option for you. With over 50 years of experience, we’re committed to being your trusted lender for life.
Refinance
We offer competitive refinance rates for primary, vacation, and rental properties. Refinancing can help consolidate expenses, lower payments, and take advantage of better interest rates. As brokers, we save you time by finding the best loan for your needs.
Assumptions
We specialize in loan assumptions, a great option if you want to take over an existing mortgage with its current terms, including a potentially lower interest rate. This can save you money and simplify the buying process. As brokers, we help you navigate the details and ensure a smooth transfer.
We save you time
and money
Thinking of buying a home? As a broker, we save you time and money because we can shop dozens of lenders to find the best loan for your situation!
Apply NowTips to get started
Tips to get started
Determine a down payment amount based on your available funds
Define a monthly payment amount that fits into your budget
Start gathering important income and asset documents
Start the pre-qualification process early. Get a pre-approval letter from our team.
You will need this letter to accompany the offers you make on any homes.
Do not make major purchases like furniture, appliances, jewelry, vehicles or vacations
Don’t change or quit your job
Consult with us before moving large amounts of money in or out of your bank account
Do not pay off debts or collections (unless instructed to do so by a mortgage professional)
Avoid using cash for a good-faith deposit – cash is difficult to verify and could result in delays
We’re here to help
Call us today with any questions. We’re here to make the process easy!
Meet the team
Why everyone love UMe
Testimonials from our clients
Communication is key and I always got a quick response whenever I had a question. This team is the best!
- Monika P
Let’s make your home ownership dreams a reality
Start an application todayContact Us Today
We'd love to hear from you! Our team is ready to help you in any way we can to help solve your mortgage problems.
1434 E San Miguel Ave, Phoenix AZ 85014
support@umeprojects.com
602.715.2750
NMLS#215178 AZ: LO0912397 CA: DBO215178 OR:215178 | NMLS Consumer Access | Privacy/Security
UMe Home Loans, LLC. Cobalt Mortgage, LLC. does Business in Accordance With Federal Fair Lending Laws. NMLS ID 1891147. UMe Home Loans, LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government.UMe Home Loans, LLC is approved to participate in FHA programs but the products and services performed by UMe Home Loans, LLC. are not coming directly from HUD or FHA. Copyright ©2024 UMe Home Loans, LLC. All Rights Reserved
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