100+ Lenders.
Zero Broker Fees.
We search our network of national lenders to find the right loan for your situation — FHA, VA, bank statement, DSCR, and more. Our services cost you nothing.
What's your situation?
We work with all kinds of borrowers — not just the easy ones. Find your path to homeownership below.
First-Time Buyer
0% and 1% down programs available. We make the process simple, even if you've never done this before.
Learn moreSelf-Employed
No tax returns required. Qualify on 12 months of bank statements, P&L, or 1099s.
Learn moreVeteran or Service Member
You've earned this benefit. We help you use your VA entitlement to its full advantage — 0% down, no PMI.
Learn moreReal Estate Investor
DSCR loans that qualify on rental income, not your personal income. Build your portfolio faster.
Learn moreRefinancing
Lower your rate, tap your equity, or shorten your term. We shop 100+ lenders so you don't have to.
Learn moreBuy Before You Sell
Move into your new home before selling your current one. Unlock your equity with our 0% bridge solution.
Learn moreThe Difference Is Real
A bank has one set of products.
We have 100+.
When you go directly to a bank, they can only offer what they sell. As your broker, we work for you — comparing lenders, fighting for your rate, and finding programs banks don't have.
🏦Going Directly to a Bank
- Limited to one lender's programs
- No advocate working on your behalf
- Higher rates — no competition
- Inflexible on non-traditional income
- You pay loan origination fees
- "No" is often final
✅Working With United Mortgage Plus
- 100+ lenders, hundreds of programs
- We advocate for your best terms
- Wholesale pricing — typically 0.5–1.5% lower
- Bank statement, ITIN, 1099, no-doc options
- $0 broker fees — lenders pay us
- We find a way when others say no
From first call to closing day
We make the mortgage process simple, transparent, and stress-free.
Free Consultation
Tell us about your situation — income type, goals, timeline. No forms, no commitment, no pressure. We listen first.
We Find Your Best Match
We compare programs across 100+ lenders and present your best options in plain language. No jargon, no confusion.
Close with Confidence
We stay with you from application to closing, handling every detail. Most loans close in about 30 days.
A loan for every situation
We work with lenders that banks simply don't have access to.
FHA & 0% Down
- Min. 580 credit score
- 0% down with DPA programs
- No income restrictions
- First-time & repeat buyers
VA Loans
- 0% down payment
- No private mortgage insurance
- 500+ credit score accepted
- Full VA entitlement maximized
Bank Statement Loans
- 12 or 24 month deposits
- No W-2s or tax returns
- Min. 640 credit score
- Up to 90% LTV
DSCR Investor Loans
- Qualify on rental income
- No personal income required
- Up to 85% LTV
- $75K–$5M loan amounts
Buy Before You Sell
- 0% interest bridge solution
- Unlock up to $2M in equity
- No contingency offers
- Pre-qualify in 24 hours
Jumbo & High Balance
- $75K–$5M loan amounts
- Competitive jumbo rates
- DMV market specialists
- Multiple lender options
Real clients. Real results.
“These three worked with a level of dedication, speed, and professionalism that is rare in today's world. From day one, they treated us like family. James worked day and night making sure every document, every signature, and every step was handled without delay.
When we got the call that we were cleared to close, my family jumped up and down with joy. That moment was made possible by The Rate Factory. These men are like brothers to us now.”
“I've found the mortgage company that I'll use for life. Ming and Stanley truly went above and beyond — we're even friends outside the business now.
They found me a plan with bad credit and a great rate. I was so confused about buying a house, but they explained everything clearly. You don't feel like just a number at United Mortgage Plus. They actually care about you.”
Ready to find out what you qualify for?
No cost, no obligation. Tell us your situation and we'll match you with the right loan program and walk you through every step.
Get Started Today
Start your application online or reach out directly — we respond within hours.
Serving Washington DC, Maryland & Virginia · NMLS ID 1038683
*Lender-paid compensation may result in slightly higher interest rates.