Buying or refinancing a home can be a stressful and an intimidating ordeal – if you don’t have the right team educating and guiding you. As an Arizona native (Here since 1977) I have built my business through 20+ years of referrals from very satisfied clients and referral partners. Our team directive has always been to be honest, upfront and knowledgeable for our clients. It is our goal to help them make well-informed decisions about their mortgage finance strategies. This concept is how we have built UMe to be a successful company.