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.

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Why United Financial Mortgage, LLC?

Justin Ballard-Owner/Operator:

Justin Ballard is the Owner/Operator of United Financial Mortgage, LLC. He has eight years in the Mortgage Industry that has spanned almost every facet of the Industry including Originating, Processing, Underwriting, Closing, Funding, Post-Closing, Sales, Training, Recruiting and Management. He is driven to deliver the best customer service possible, while providing the lowest rates and fees to his clients.

Individual NMLS #: 1123711

Who we are

  • “United to better serve you”: It is our company’s vision and mission to help you to understand ALL of your mortgage options and achieve all your mortgage goals by providing flexible terms using different loan programs with multiple financial benefits.


  • Our Partners are Direct Lenders. We and our direct lending partners work as a team to handle the entire loan process from start to finish. Those team members include loan originators, processors, underwriters, closers, funders and managers who all make sure the loan process goes as smooth as possible.


  • Competitive Rates and Fees. Our partners update rates and fees multiple times daily to make sure we provide the best competitively  LOW rates with the best competitively LOW closing costs available.


  • Unrivaled customer service.We believe that each client is a unique individual with specific mortgage needs, goals and desires and we provide specific solutions based on that important fact. We believe you should be treated with the highest level of honesty and integrity while receiving constant open communication concerning your loan as it progresses through the loan process.


  • Our Lending Partners retain the servicing for your loan. When you do business with us and our direct lender partners, you can rest assured that your loan will not be sold to another bank or lender. When you have a question about your loan, you can contact us the day of closing through the life of the loan and we, along with our direct lender partners, will be glad to help you with any of your needs.


  • We at United Financial Mortgage, LLC pride ourselves on being one of the most competitive and customer service driven companies in the Industry. We stand UNITED behind our promise to help you obtain your mortgage goals and strive to deliver exceptional service to you and your family regarding all your mortgage needs!