Home Mortgages
Financing for first homes, forever homes and investment properties.
From 6.875%
Fixed-Rate Mortgage
Predictable payments with 15 or 30-year fixed-rate mortgages, locked at approval.
- No application fee
- Digital pre-approval in 24 hours
- Free rate lock for 60 days
From 6.125%
Adjustable-Rate Mortgage
Lower initial rates with ARM options - ideal if you plan to move or refinance.
- 5/1, 7/1 and 10/1 structures
- Caps protecting against rate shocks
- Refinance without penalty
From 7.125%
Jumbo Loans
Financing for luxury and high-value properties exceeding conforming loan limits.
- Up to $10M financing
- Relationship-based pricing
- Dedicated underwriting team
APR = Annual Percentage Rate. Rates shown are representative and subject to credit approval.
How it works
From application to funds in days
- Apply online - a short form, no branch visit required
- Upload documents securely - encrypted, bank-grade verification
- Get a decision - most applications reviewed within one business day
- Receive funds - deposited directly to your UDF account
Frequently asked questions
What credit score do I need to qualify?
Most UDF lending products start at a 640 FICO score, with the best pricing available from 740+. Our loan team will walk you through options if your profile needs work.
How long does mortgage pre-approval take?
Digital pre-approval typically completes within 24 hours once your income and identity documents are uploaded.
Are there prepayment penalties?
No. All UDF mortgages and personal loans can be repaid early without penalty.
Can I apply from outside the United States?
Yes. Cross-border lending is available to qualifying clients of our New York, Toronto, London, Frankfurt, Singapore and Tokyo offices.
Find the right loan for you
Run the numbers in seconds, then talk to a lending specialist about next steps.