Where is Universal Mortgage located?

From East I-40 to Exit 378-B (N. Cedar Bluff / Executive Park Dr)
Turn Right at the Traffic Light onto Executive Park Dr, then at the First Driveway on the Right, Turn Right, then look Straight Ahead to Universal Mortgage, Suite 102-A.

From West I-40 to Exit 378
Be in the Middle Lane, Turn Left. Go under the I-40 bridge to the Second Light. Turn Right onto Executive Park Dr beside the Holiday Inn (on your right). Go through the next traffic light then turn right onto the First Driveway after light. Go Straight Ahead to Universal Mortgage, Suite 102-A.

What if my credit isn't so good?

With a middle credit score as low as 620, we can still get you 100% Purchase or 85% Refinance. With a middle credit score of 580 we can still do a refinance loan. So give us a call or apply online and see what the mortgage professionals at Universal Mortgage can do for you.

How long does it take to close on my loan?

Usually 2-3 weeks, sometimes less.

If I need a Real Estate Agent, can Universal Mortgage refer someone?

Yes, we know excellent agents that can assist you in finding your Dream Home. Just contact us for a list.

Can I get a 2nd mortgage loan?

Yes, you can. However, sometimes you save more money monthly by getting one 1st mortgage and consolidating into that one loan. Just ask the mortgage professionals at Universal Mortgage which loan best serves your needs.