FHA Elite

Take your FHA loan to a new level with industry-leading government rates and pricing.

  • 720+ FICO

  • $175,000 – county loan limit

  • All fixed term mortgages

  • Single family primary residences

  • Debt ratios accepted up to 55%

100% LTV FHA Program

  • Don’t have to be a First Time Home Buyer

  • No income restrictions

  • Forgivable 2nd liens to borrowers with incomes up to 115% AMI (Adjusted Median Income)

  • Borrowers with > 115% AMI allowed (2nd lien repayment required)

  • TRUE 100% financing

  • FICO score down to 620

  • 2nd liens up to $10,000

  • No Homebuyer classes required

  • No borrower investment required

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Our aggressive ARM pricing can provide a lower payment for you.

  • 5/1 Treasury ARM available

  • Quickly and easily price out your loans with Easy Qualifier (EQ) to determine your borrower’s best scenario

  • Qualifies at note rate

FHA Streamline

  • UMP’s FHA Streamline program allows you to refinance your FHA loan with no appraisal or AVM. Time is of the essence—stop the shop and use our quick closing process to secure your loan.

  • 640+ FICO

  • Debt ratios accepted up to 55%

  • Up to 60 days interest allowed


We can close your HUD REOs in as fast as two weeks from submission while allowing holdbacks up to $5,000 for escrow repairs.