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We specialize in Purchase and Refinances, VA, FHA, Conventional, USDA, Down payment assistance programs and customers with lower credit scores and especially first time home buyers. We work closely with out realtor partners to ensure on time and smooth closings. PRMI is a large national lender but leverages our local people in operations and loan officers to ensure a great customer experience.
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Universal Capital was established in 2010 by an experienced team of mortgage banking professionals.  We provide time-sensitive  interim and bridge financing using non-owner occupied residential and commercial real estate as collateral. Our funding is provided in an efficient and timely manner in contrast to the challenging and ever-changing guidelines experienced when working with traditional lenders.  We are a direct lender utilizing our own capital as our funding source.  We internally underwrite our loans allowing us to apply a common sense approach to our loan approval process.