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

Whether you are a first time home buyer or an expert when it comes to the home buying process, we can help you find the right loan for you and provide you with all the necessary resources to make the process a success. You will be able to take advantage of the following benefits using our services:

  • Our team of Business Partners (non-affiliated) including Realtors can help you locate your dream home.
  • We will provide you with a pre-qualification and pre-approval letter FREE of charge (conditions apply regarding qualification and approval).
  • Our Loan Origination and Processing Team will help you identify the documents that you need quickly to ensure a quick approval and closing process to avoid any unwanted delays when it comes to your contract date and move in date.
  • Our partners strive to provide initial approval and approval on conditions within 24-48 hours of receipt of any document submissions to help you get to closing quickly.
  • Our programs are the most competitive in the Industry that allow for low to no down payment, low rates, low monthly payments and minimal fees.

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.

Mortgage interest rates continue to stay at record low levels. So why not take advantage and make sure that you are paying the absolute lowest payment with the lowest rate of interest? When you decide to allow United Financial Mortgage to help you refinance, you can expect the following:

  • Competitive low rates and payments. If you find a broker or lender that can offer you a better rate, we will do our best to match or beat it.
  • Our Origination and Processing team will help you identify all the necessary documents needed to make the refinance process run smooth and as quickly as possible.
  • Our partners strive to provide lender approval and approval on conditions within 24-48 hours of receipt of any document submission to help you get to closing quickly (conditions apply regarding qualification and approval).
  • After crediting most to all of the closings costs related to your loan, most programs will furthermore allow you to finance the remaining closing costs (limited to total allowable loan to value per loan program), allowing you to bring less money to the closing table if any at all.
  • You'll be on your way to enjoying the benefits of saving money every month, allowing you to spend your hard earned money on the things that matter in life.
  • NOTE: Total finance charge may increase over the life of the loan.

Purchasing a Home?

United Financial Mortgage, LLC © 2013  |  All Rights Reserved

Stay Connected


Streamline: Refinancing the EASY way.

Want to lower your current rate and payment?

'Like' us on Facebook.

Our Services

Worried about the hassle of having to provide a bunch of documentation in order to qualify for a refinance? Not to worry. With a streamline refinance, guidelines for all programs are much less stringent and much less documentation is needed compared to a conventional refinance. When taking advantage of a Streamline refinance, you can expect the following benefits:

  • No appraisal requirement for most programs.
  • High loan to value ratios are acceptable. Even if you owe more than your home is worth, you may still qualify for a streamline refinance.
  • Most streamline programs do not require income verification or limited verification at best.
  • Most streamline programs do not require asset verification or limited verification at best.
  • Most programs will allow you to finance any remaining closing costs that have not already been credited (limited to total allowable loan to value per loan program), so that you bring little to no money to the closing table.
  • Because you don't have to document as much information regarding qualifying for a streamline loan, it makes it the optimal loan program to enjoy saving money through lower rate and payments as quickly as possible.