Business Details
Your Trusted Mortgage Partner in Farmingdale, NY
United Faith Mortgage operates as a family-owned mortgage brokerage with a direct lender advantage, combining personalized service with the resources of a larger financial institution. Our team prioritizes faith-based values while maintaining expertise in mortgage financing, offering tailored solutions for home purchases, refinancing, and specialized loan programs. With decades of combined experience in the industry, we focus on transparent communication, rapid turnaround times, and leveraging our direct lending capabilities to secure competitive rates for clients.Our commitment to ethical practices is reflected in our accreditation by major housing agencies and consistent positive feedback from customers who appreciate our approachable, non-pressured service model. We serve clients nationwide while maintaining local office operations in Farmingdale, New York.
Services
Home Purchase
Refinancing
VA Loans
Reverse Mortgages
Cash-Out Refinance
Highlights and features
- Direct lender advantage enables faster approvals and better rates
- Family-owned team provides personalized mortgage solutions
- Faith-based business model with ethical lending practices
- Accredited by all major housing agencies
- $1,000 closing cost credit for home purchases
Associations and certifications
- HUD/FHA
- Fannie Mae
- Freddie Mac
- Ginnie Mae
What people say
Smoothest process
Kind and helpful
Rapid turnaround
Stress-free experience
Highly recommended
Services
Home Purchase
We specialize in home purchase mortgages with competitive rates and personalized guidance. Our direct lender advantage streamlines the approval process while our team provides step-by-step support from pre-approval to closing. Clients benefit from our $1,000 closing cost credit and specialized programs for first-time buyers.
Refinancing
Our refinancing solutions help homeowners reduce monthly payments, consolidate debt, or access home equity. With fast turnaround times and cash-out options up to 80% of home value, we offer tailored solutions including VA loan refinancing and rate reduction programs.
VA Loans
We provide specialized VA loan programs for veterans and their families, including zero-down options and competitive rates. Our team has extensive experience maximizing benefits for service members, with dedicated support throughout the entire loan process.
Reverse Mortgages
Our reverse mortgage solutions help older homeowners access equity while maintaining residency. We explain all options clearly, focusing on financial security for retirement years with personalized plans that meet individual needs.
Cash-Out Refinance
We offer cash-out refinance options allowing homeowners to leverage property value increases. This solution helps pay off debt, fund home improvements, or cover major expenses with competitive rates and straightforward qualification processes.
People
John
Co-Founder
Four-decade mortgage expert who co-founded United Faith Mortgage with his son Ryan. Brings extensive industry experience and leadership to the company's operations.
Ryan
Mortgage Originator
Started in mortgage lending at age 19 and co-founded United Faith Mortgage. Hosts radio segments and specializes in guiding clients through complex mortgage decisions.
Denise
Client Services
Provides compassionate client support with a focus on clear communication. Known for exceptional customer service and being one of the first voices clients hear.
Barbara
Team Member
Key team member who helped establish radio partnerships. Combines professional expertise with personal touch in client interactions.
Chris
Mortgage Specialist
Brings analytical expertise and excellent communication skills to mortgage solutions. Known for making complex financial concepts accessible to clients.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, VA loans for veterans, and a Down Payment Assistance Program allowing 0% down in most states.
How does your direct lender advantage benefit customers?
Our direct lender status enables faster decision-making, potentially lower rates, and streamlined processes without third-party involvement.
Can I refinance with bad credit?
We consider credit scores as low as 620, with specialized programs for credit improvement and post-bankruptcy situations.
What states do you operate in?
We provide mortgage services in 47 states including NY, TX, CA, FL, and WA with local team support and nationwide reach.
How quickly can you process a mortgage application?
Most applications receive same-day or 24-hour turnaround with our efficient in-house underwriting process.
Do you offer specialized programs for self-employed borrowers?
Yes, we have programs using bank statements instead of tax returns, with new options introduced in August 2023 for self-employed applicants.
