Business Details
Your Trusted Mortgage Partner in Farmingdale, NY
United Faith Mortgage operates as a faith-driven mortgage brokerage dedicated to helping families across the United States achieve their homeownership goals. Our direct lender advantage enables us to offer competitive rates and faster decision-making by eliminating intermediaries. With a small, family-oriented team, we prioritize personalized service that combines mortgage expertise with Christian values. Our team members bring decades of combined experience in mortgage origination, including specialized programs for first-time buyers, self-employed individuals, and veterans. We emphasize transparency throughout the process, offering a $1,000 closing cost credit for home purchases and tailored refinancing solutions.Our approach focuses on understanding each client's unique financial situation to provide customized mortgage options. Backed by approvals from major institutions like Fannie Mae and Freddie Mac, we maintain rigorous industry standards while preserving our core commitment to faith and family. Customer testimonials consistently highlight our responsiveness, evening availability, and ability to simplify complex mortgage processes. We serve clients nationwide while maintaining the personal touch of a local team.
Services
Home Purchase
Refinance Options
Pre-Approval Process
FHA Loans
VA Loans
USDA Loans
Non-QM Loans
Cash-Out Refinance
First-Time Buyer Programs
Self-Employed Mortgages
Highlights and features
- Direct lender advantage enables faster approvals and better rates
- Family-owned team provides personalized mortgage solutions
- Faith-based approach with transparent communication
- $1,000 closing cost credit for home purchases
- 24/7 availability with evening customer support
Associations and certifications
- HUD/FHA
- Fannie Mae
- Freddie Mac
- Ginnie Mae
What people say
Smoothest process
Kind and helpful
Saved over $1000
Excellent communication
Professional and honest
Services
Home Purchase
Our home purchase program helps families achieve homeownership with competitive rates and personalized guidance. We offer specialized programs for first-time buyers and self-employed individuals. Our direct lender advantage enables faster approvals and potential savings through $1,000 closing credits.
Refinance Options
We provide comprehensive refinance solutions including rate/term refinancing and cash-out options. Our process helps homeowners reduce monthly payments, consolidate debt, or access home equity. Special programs include VA and FHA streamline refinances with potential $1,000 lender credits.
Pre-Approval Process
Our expedited pre-approval service delivers decisions within 24 hours. This critical first step strengthens homebuyers' offers with verified financing. We consider unique financial situations including self-employment and non-traditional income sources.
VA Loans
Specialized mortgage programs for veterans and active military personnel. We maximize VA loan benefits including zero down payment options and competitive rates. Our team has extensive experience navigating VA-specific requirements and documentation.
Non-QM Loans
Our non-qualified mortgage programs serve borrowers with unique financial situations. These solutions include bank statement loans for self-employed individuals and asset-based lending options. We work directly with applicants to find creative financing solutions outside traditional lending criteria.
People
John
Co-Founder
Four-decade mortgage expert and co-founder who launched United Faith Mortgage with his son Ryan. Brings extensive industry experience and leadership to the team's mortgage solutions.
Ryan
Mortgage Originator
Started mortgage career at 19 and co-founded United Faith Mortgage with his father. Hosts radio segments and specializes in guiding clients through complex mortgage processes.
Denise
Customer Service
John's wife and Ryan's mother who provides compassionate customer support. Known for her exceptional kindness and ability to make clients feel comfortable throughout the mortgage journey.
Barbara
Team Member
Key team member responsible for expanding United Faith Mortgage's reach through Christian radio partnerships. Combines professional expertise with personal warmth to support client needs.
Chris
Mortgage Specialist
Experienced mortgage professional with strong analytical skills and client-focused communication. Provides expert guidance on loan options while maintaining a welcoming, approachable demeanor during client interactions.
Questions
What mortgage programs do you offer?
We offer conventional, FHA, VA, USDA, non-QM loans, and specialized programs for self-employed individuals and first-time homebuyers.
Do you offer refinancing options?
Yes, we provide rate/term refinancing, cash-out refinancing, and streamline options with potential $1,000 lender credits for qualified clients.
How quickly can I get pre-approved?
Our pre-approval process typically delivers decisions within 24 hours with instant personal attention from our mortgage specialists.
Are you available outside regular business hours?
Our team offers evening availability and weekend support to accommodate clients' schedules during the mortgage process.
Do you serve clients nationwide?
We provide mortgage services to clients across all 50 states with localized expertise and personalized service.
What makes you different from other lenders?
Our direct lender advantage, faith-based values, and family-owned structure combine with competitive rates and personalized service to create a unique mortgage experience.
