Business Details
Your Trusted Mortgage Partner in Farmingdale, NY
At United Faith Mortgage, we are a family-owned and faith-driven mortgage team dedicated to helping families across the United States achieve their homeownership dreams. Our unique Direct Lender Advantage allows us to use our own funds and make independent decisions, resulting in faster approvals and competitive rates. With a small, personalized team, we prioritize limo-service-level care, ensuring every client receives individual attention. Our commitment to Christian values shapes our approach, blending expertise with authenticity. Since our founding, we have specialized in tailored mortgage solutions, including fixed-rate, FHA, VA, and non-QM loans, while offering a $1,000 closing cost credit to eligible clients.Our teams decades of combined experience, coupled with partnerships with major agencies like Fannie Mae and Freddie Mac, ensures reliable service. We pride ourselves on transparency, avoiding hidden fees, and maintaining a client-centric process that has earned us over 1,000 glowing reviews. Whether purchasing a home, refinancing, or exploring down payment assistance, we guide families through every step with integrity and care.
Services
Fixed-Rate Mortgages
FHA Loans
USDA Loans
VA Loans
Non-QM Loans
Refinancing
Pre-Approval
Down Payment Assistance
Cash-Out Refinance
First-Time Buyer Programs
Highlights and features
- We offer a Direct Lender Advantage for faster approvals and lower rates.
- Our small family team provides personalized, limo-service-level client care.
- Faith-driven values ensure transparent, ethical mortgage solutions.
- We provide a $1,000 closing cost credit for eligible home purchases.
- Specialized in VA loans and down payment assistance programs.
Associations and certifications
- HUD/FHA
- Fannie Mae
- Freddie Mac
- Ginnie Mae
What people say
Smoothest process we've had
Kind and helpful team
Saved over $1,000 monthly
Excellent communication
Compassionate and understanding
Services
Fixed-Rate Mortgages
Fixed-rate mortgages provide consistent monthly payments with no fluctuation, ensuring long-term budgeting ease. Ideal for homeowners seeking stability, these loans lock in your interest rate for the entire term. United Faith Mortgage offers competitive rates and personalized guidance to secure the lowest possible payment.
FHA Loans
FHA loans require as little as 3.5% down and are perfect for buyers with lower credit scores. These government-insured options balance affordability with flexibility, making homeownership accessible. Our team simplifies the application process for first-time buyers and beyond.
VA Loans
VA loans offer favorable terms for veterans, including zero down payment options. Specialized programs maximize benefits for military families, ensuring fair rates and streamlined processes. United Faith Mortgages experts prioritize serving those who have served our country.
Cash-Out Refinance
Cash-out refinancing lets homeowners access built-up equity for debt consolidation, home improvements, or personal use. By replacing your existing mortgage with a larger loan, you gain liquidity while potentially securing a lower rate.
First-Time Buyer Programs
Our First-Time Homebuyer Blueprint guides clients through saving, budgeting, and securing pre-approval. With down payment assistance options and step-by-step support, we make the journey to homeownership straightforward and stress-free for new buyers.
People
John
Co-Founder
A mortgage expert with four decades of experience, John co-founded United Faith Mortgage with his son Ryan. His leadership emphasizes faith-driven service and industry expertise, ensuring clients receive trustworthy guidance.
Ryan
Loan Officer
Ryan began his mortgage career at 19 and co-founded United Faith Mortgage with his father. Known for his radio presence and dedication, he specializes in personalized service and innovative mortgage solutions.
Denise
Team Member
Denise, Johns wife and Ryans mother, brings warmth and professionalism to client interactions. Her compassionate approach ensures callers feel supported throughout the mortgage process.
Chris
Loan Officer
Chris combines financial expertise with a friendly demeanor, offering clients clear guidance and strategic mortgage solutions. His attention to detail ensures a smooth and efficient lending experience.
Vinny
Mortgage Guru
Vinnys loyalty and empathetic approach make him a trusted advisor. Though not a blood relative, he embodies the family ethos of United Faith Mortgage, consistently exceeding client expectations.
Questions
What mortgage programs does United Faith Mortgage offer?
We offer fixed-rate, FHA, VA, USDA, non-QM loans, and cash-out refinancing. Our team tailors solutions to fit diverse financial situations.
How does the $1,000 closing cost credit work?
Eligible homebuyers receive a $1,000 lender credit at closing to reduce upfront costs. Washington residents get $1,000 for refinances too.
Can self-employed individuals qualify for loans?
Yes! Our new program allows self-employed clients to qualify using bank statements instead of tax returns for easier approval.
Is pre-approval necessary before house hunting?
Pre-approval strengthens your offer. We provide instant attention and fast turnarounds, often same-day approval to streamline your home search.
How does United Faith Mortgage support first-time buyers?
Our 7-Step Blueprint guides first-time buyers through saving, budgeting, and securing loans, including down payment assistance programs for added support.
What sets United Faith Mortgage apart from competitors?
Our Direct Lender Advantage, faith-driven values, and personalized service create faster closings, lower rates, and a stress-free experience.
Reviews (4)
Cathy Kirby
Dec 31, 2021
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Our loan officer, Vincent Aldorasi, was incredibly helpful guiding us through the stressful refinance process. Every question we had was answered in a timely manner. I highly recommend United Faith Mortgage for making the refinance process smooth and relatively easy.
Kristina Abbott
Dec 30, 2021
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The United Faith Mortgage team made a cash out refinance easy and fast. Our consultant, Tom, was very helpful. He walked us through every step and answered all of my many questions. I would definitely recommend using this company.
Curtis Johnson
Dec 27, 2021
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I have been listening to Ryan of United Faith Mortgage on my local Christian Radio Station for the past three years. I must admit, the moment I spoke with Dakota Titone and Debbie, the experience I received during our home refinancing was so professional, pleasant and truly a Blessing. The team was so nice and knowledgeable as they walked me through the process. Thank you Ryan, Dakota, Debbie and the entire United Faith Family for all that you do. Curtis and Mary Johnson Red Oak, Texas
Jonathan Gilliland
Dec 23, 2021
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I have been very pleased with United Faith Mortgage. They worked diligently with me when I was not yet able to apply for a loan. Kelly Romano followed up with me some time later and she aided me in getting a home loan. My family is now in a beautiful home and UFM was extremely communicative, helpful, and quick to get my loan rolling. So thankful for Kelly and the others at the office. Thank y'all so much!
