If you are self-employed or have a business where income is not consistent, Universal Home Loans can help you get the financing you need. We’re experts at helping people who don’t fit the bank’s profile get a mortgage.

Loan Features

• No tax returns required
• Qualified based on Personal or business statements for the most recent 12 months
• Loan amount up to $3 million
• 10% Down payment with no mortgage insurance
• Owner occupied, 2nd home, Investment Property
• Interest Only Loan Options
• 30-year fixed option available
• Non-Perfect Credit OK
• Gift Funds for Down Payment
• W2 co-borrower ok, income and employment traditionally verified
• Retirement income is usable with verification (1099, award letter, etc)