About United Mortgage Plus
20+ years of helping families find the right loan.
We started because we believed homebuyers deserved better — a true advocate in their corner who works for them, not for a bank.
Why we do this
Most people walk into a bank and take whatever rate they're offered. They don't know there are better options. They don't know a broker can access dozens of lenders at once — and that broker fees don't have to come from them.
United Mortgage Plus was built to change that experience. We're a dba of The Rate Factory LLC, and we've been serving the DC Metro Area — Maryland, Virginia, and Washington DC — for over 20 years. In that time, we've helped thousands of families, business owners, veterans, and investors find financing that actually fits their lives.
We specialize in the cases that banks routinely turn down: the self-employed borrower with strong cash flow but a complex tax return. The first-time buyer who needs 0% down. The veteran who doesn't know they qualify for more than they think. We find a way.
Our mission is education first. When clients understand their options — in plain language, without jargon — they make better decisions. That's how we earn their trust. And it's why 40% of our business comes from clients who come back to us.
The team behind your loan
Every loan at United Mortgage Plus is handled by NMLS-licensed professionals with ongoing continuing education. When you work with us, you get a dedicated team — not a call center.
Stanley Chang
Loan Originator
Stanley brings deep expertise in program matching and lender negotiations, with a reputation for creative problem-solving on complex files. The backbone of how deals get structured.
James Greene
Loan Originator & Managing Broker
James leads client relationships and manages the team from consultation through closing. Known for working day and night to get deals done — and for treating every client like family.
Mayra Curbelo
Loan Officer
Mayra brings dedication and expertise to every client interaction, guiding borrowers through the mortgage process with clarity and care from start to finish.
Yu Sheon
Loan Officer
Yu Sheon combines deep market knowledge with a client-first approach, helping borrowers navigate their options and find the right loan program for their unique situation.
Sandy Chang
Loan Processor & Operations
Sandy ensures every file moves smoothly behind the scenes — no missed documents, no delays, no surprises at the closing table. Operations runs on her attention to detail.
Licensed & Certified
All loan officers are NMLS UST certified, state-licensed in DC, MD, and VA, and complete 8+ hours of continuing education annually.
How we work
Education First
We explain every option in plain language. An informed client makes a better decision — and we hold nothing back.
Relationship-Driven
We respond within hours. We text late. We answer on weekends. Because closing a home doesn't follow business hours.
Client Advocacy
We work for you, not the lender. Every recommendation we make is based on what's best for your situation, full stop.
Transparent Pricing
$0 broker fees, always. Lenders compensate us directly. No hidden costs, no surprises at the closing table.
Meet us. No obligation.
The best way to understand what we do is to talk. Tell us your situation and we'll show you what's possible.