Category Archives: Loan Programs

A Guide to Staying Competitive

Do you have what it takes to thrive in the lending industry? I’m here to tell you that today you are beginning something that can truly change the quality of your business forever. There are two things required: number one, the desire and number two, the commitment to follow through with all of the tasks […]

Bank Statement Programs

At United Guaranteed Mortgage Company, we offer innovative loan programs to help you better serve your borrowers. If your clients have non-traditional income sources, our Bank Statement Program can help you get them the lending they need to achieve their real estate goals. What’s the UGMC Bank Statement Program all about? It’s a program to […]

Bridge Loan Parameters

Nationwide Bridge Loans | $2M-$50M | All Brokers Protected UGMC is part of a unique real estate investment firm that originates, structures, underwrites and provides debt and equity funding for both income and non-income producing properties.  – We Have No Upfront Fees. Our team has the background and experience to review projects and properties from the perspective […]

Bridge-Rehab Mortgage Financing

Time To Diversify Your Origination Platform With Multiple Revenue Streams Don’t Put All Your Eggs In One Basket! “No Seasoning On Refinances We Use Appraisal Value” “No Seasoning Of Funds On A Purchase” “We Offer Yield Spread/Rebate Pricing” “We Protect & Pay Our Brokers At Closing” “We Offer No Lender Fee Pricing Options” DON’T WANT TO […]

Bridge, Conventional and Construction Loans

The Commercial Real Estate market is very active. If you are working on a transaction, UGMC (United Guaranteed Mortgage Company) may be able to help. Interest rates are presently still very competitive and we have a host of solutions for your capital stack. Our ability to creatively structure deals allows us to source the most […]

Drowning in verifications? Send your VOEs to us!

Are you drowning in all the verifications that are required? We can help you stay afloat. Send your employment verifications our way. VOEs from our credit vendor Credit Plus are easy and instant. Simply enter the applicant’s name and Social Security number and with just one click, you can directly connect with The Work Number® […]


Five “old-fashioned” ideas and strategies to reconsider. Well, here we are—January 2018 and the beginning of a new year. We made it through a rather trying 12 months with the market slowing down about 10 to 15 percent from 2015. Interest rates are still good, but not great. New housing starts, while not going gangbusters, […]

Fix and Flip Program requirements

Short Term – No Pre Pay – No Minimum Interest Submission Requirements: AZ, CA, CO, ID, KS, MT, NE, NM, OK, OR, TX, UT, WA, WY 1003 Credit Report Accepted Purchase Agreement (if a purchase) Term: 6 months – with 12 month term available case by case. Max LTP – 70% of purchase price. Flipper […]

Foreign Nationals Program Requirements

NO FICO Necessary NO Proof of Income Necessary NO SS Necessary NO Citizenship Necessary NO Green Card Necessary N/O/O Purchase or Refinance Only Money in Foreign Banks or Offshore Accounts – OK Mattress Money – OK 70% LTV on N/O/O Purchase – stated 65% LTV on N/O/O Refinance – stated Only requires a Passport Loans […]

Funding your Fallouts

Ride the UGMC Wave to Success UGMC wants to help you expand your pipeline. We are a direct, wholesale ‘No-Income Verification’ lender that can save you from wiping-out on hard to fund deals! Let us help you succeed in growing your business using our program that never requires tax returns, or income statements. Our program is ideal […]