VA Mortgages

By obtaining financing using an FHA loan program, you can finance your home up to 96.5% of the loan to value. These programs offer comparatively low rates and payments for borrowers. The guidelines can be more lenient to help more borrowers qualify. This program is great for first time homebuyers. If you have had trouble obtaining financing using conventional methods, call us today to find out how we may be able to qualify you using an FHA loan. (Conditions apply.)

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USDA Mortgages

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If you are having trouble obtaining financing due to being located in a rural area of the County, then it may be time to look into a USDA mortgage. There is NO down payment required. Rates and payments are comparatively low when compared with other loan programs. Guidelines for this program are more flexible, allowing more borrowers to qualify. Call us today to discuss how we may be able to help qualify you for a USDA loan if you live in a rural area. (Conditions apply.)


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FHA Mortgages

Conventional Mortgages

Our Conventional loan programs are anything, but conventional. We offer the Industry's lowest Mortgage Insurance rates when such insurance is required. We offer up to 97% loan to value on some programs, but we don't stop there. We also offer down payment assistance and the ability to have the borrower not have to use any of their own funds towards the down payment. Call us today to find out more about how you may qualify for up to 97% loan to value without using any of your own funds. (Conditions apply.)

Reverse Mortgages Loans

Broker/Owner: Justin Ballard

Address: 6955 Henrietta Court Mechanicsville VA 23111 US      

Call DIRECT: (877)-600-5041   


Company NMLS #1385249 (

Individual NMLS #1123711

United Financial Mortgage is a licensed company with the VA State Corporation Commission. License # MC-5952.

Call us DIRECT today at: (877)-600-5041

At United Financial Mortgage, we have many ways to show our appreciation to those who have served us through the Military. How about NO down payment for starters? This program features limits on fee amounts. It provides rates and payments that are traditionally lower than other mortgage programs due to the fact that there is NO mortgage insurance. If you are a veteran or currently on active duty in the military, you owe it to yourself and your family to see what this program may be able to do for you. Call us today. (Conditions apply.)

United Financial Mortgage, LLC © 2013  |  All Rights Reserved

Are you 62 years or older? Would you like to never have to make another monthly mortgage payment for the rest of your life*? Would you like to get access to CASH using a portion of the equity in your home that is currently being unused? Would you like to have access to more money every month at a growing rate of availability? If you answered 'yes' to any of the questions above, you owe it to yourself to give us a call today to find out how much you may qualify for using a Reverse Mortgage Loan. (Conditions apply.) Feel free to click the link below to find out how much you may qualify for now:

*Borrower is still responsible for making  tax and insurance payments and maintaining the home. In some cases, a full life expectancy set aside escrow account can be established.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.


United Financial Mortgage is closed. While business is good thanks to all our loyal clients over the years, Broker/Owner, Justin Ballard, is shutting the company down indefinitely to pursue a new venture.

Thank you to all of our previous clients over the years for your business. All previous clients that have an active email address will receive an email notification of our closure. Previous clients can always still contact us with post-closing questions.  Anyone that was in the process of working with us in the future that has an active email address will also be receiving an email notification with instructions on how to proceed with the recommended mortgage brokers listed below, if you so choose. We will make sure no one is left without a solution going forward. Thank you again for making United Financial Mortgage, LLC a success over the years!

Provided below are the contact pages to two highly recommended local mortgage brokers that are aware of United Financial Mortgage's current closure. Both companies will be glad to pick up where anyone left off with us, to help you continue to pursue your mortgage loan needs.

Colonial 1st Mortgage, Inc.                                       Academy Mortgage, Inc.

11551 Nuckols Road, Suite G                                    8100 Three Chopt Road, Suite 146

Glen Allen, VA 23059                                                Richmond, VA 23229

804-967-2560                                                             804-527-3411           

Thank you again for all your business and support over the years!