We Do
Mortgages.

Get approved for your home loan by a loan officer near you.

We Are Local.

UMortgage LOs have a focus on serving their local communities while also having a nationwide reach that's rapidly growing.

Our Loan Officers

You've Got Q's, We've Got A's.

Market Update

Housing Market Update | Week of October 6th

Mortgage rates remained largely unchanged last week, as the government shutdown prevented the release of several jobs reports, including Friday’s BLS report, that could’ve confirmed a rate cut during the October Fed Meeting. The one report we did get was Wednesday’s ADP employment report, which highlights private payroll job creation. This report showed 32,000 jobs eliminated, making it the second consecutive ADP report with negative figures. Although we’re lacking some crucial economic data, we could see mortgage rates move this week as several members of the Federal Reserve are scheduled to speak during the Community Bank Conference in D.C. We’ll also want to keep an eye on any developments related to the government shutdown. If a resolution is found, we’ll receive our labor reports shortly thereafter, which will likely impact the housing market. Last Week's Mortgage Rate Recap Rates Were Steady Last week was supposed to be jobs week, but the government shutdown prevented the release of our pivotal labor figures. Wednesday’s ADP employment report reported 32,000 jobs lost in September. This is the second consecutive month that ADP has reported job losses, which is especially shocking given that economists had predicted 45,000 jobs would be created in the report. This temporarily brought the 10-year lower, but a lack of more comprehensive data beyond private payrolls prevented a longer-term impact on mortgage rates. This Week's Mortgage Rate Forecast Rates Could Be Stagnant With the shutdown still ongoing, this week is currently looking to be a relatively quiet one in terms of rate movements. We’re continuing to await the end of the government shutdown to receive the jobs data that’s so crucial to the likelihood of another rate cut by the end of the year. While we await that resolution, we’ll also want to keep an eye on the quotes that surface from the Fed members speaking at this week’s Community Bank Conference on Thursday and Friday. If you have any questions or would like updates as we receive new developments on the government shutdown, follow this link to connect with a mortgage expert near you!

Published October 6, 2025

News

UMortgage Q3 Snapshot: Families Served, Industry Awards, & New Tech

The third quarter of 2025 was a big one for UMortgage as it continued to create life-changing opportunities through homeownership. Between new industry accolades, first-of-its-kind technology, and thousands of families served, Q3 gave UMortgage plenty of momentum to close out the year strong as mortgage rates continue to drop. UMortgage started the quarter with a reminder of the company’s continued growth when it was named to the Inc. 5000 list of America’s fastest-growing private companies for the second year in a row. This prestigious award was earned after UMortgage grew its revenue by 716% from 2021 to 2024, helping 21,639 families build generational wealth through homeownership along the way. When mortgage rates dropped in Q3, UMortgage Loan Originators were quick to help homebuyers and homeowners take advantage of newfound affordability and savings. They originated a combined 1,729 mortgages, including 508 VA loans and 410 refinances, in 41 different states across the country. Each of these families received industry-best service throughout their mortgage process as well. UMortgage’s Net Promoter Score (NPS) was 98 out of 100 in Q3. A company’s NPS is earned through single-question surveys sent to clients immediately after closing to gauge their experience when it’s freshest. Positive relationships with borrowers and real estate agents are at the center of UMortgage’s ethos. To help UMortgage Loan Originators track and improve their relationships, UMortgage launched the Referral Partner Relationship Tracker in Q3 on Tempo, its proprietary sales performance tracking app. The Relationship Tracker, launched on August 15, 2025, provides every LO with a simple way to log touchpoints (calls, meetings, texts, and emails), view relationship health at a glance, and receive alerts when they need to reach out, all within Tempo. It’s integrated with ARIVE and Salesforce, so activity is captured automatically, and follow-up never falls through the cracks. The Tempo team is actively working on the Lead Tracker, which provides similar resources to deliver a consistent and excellent experience for individuals seeking a mortgage. The results of these tools within Tempo are more proactive communication with borrowers and agents, stronger referral pipelines, and a better post-closing experience. UMortgage and its Loan Originators are committed to providing prospective homebuyers, homeowners, and real estate with a best-in-class mortgage experience. Ready to learn more? Click here to see the products and services UMortgage offers. If you’re a Loan Originator interested in unlocking the tools available on the UMortgage platform, like Tempo, watch our Loan Originators Powered by UMortgage presentation, and a member of my team will be in touch.

Published October 2, 2025

Mortgage

Red Flags in Lending: Mortgage Points

Market Update, Mortgage

How the Federal Reserve Impacts Mortgage Rates (And How It Doesn't)

Refinance, Loan Types, Mortgage

How to Consolidate Debt Using Your Home Equity

Refinance

5 Things You Need to Do to Prepare for a Refinance

View All Blogs

Mortgage Planning Made Easy.

Our easy-to-use calculators help you estimate and optimize your mortgage solutions.

Find your monthly payment.

What does a monthly mortgage payment look like for you? Get an estimate with some basic information.

Estimated Monthly Payment

$0 /mo

See Payment Breakdown Apply Now

The UMortgage mortgage calculators are for estimation purposes only. This is not a commitment to lend. For an exact quote based on your individual financial circumstances, please contact us.

Experience is
Everything.

If an industry leading 95 Net Promoter Score isn't enough, take it from borrowers that have worked with us.

Find a Local Loan Originator

Kristy Lynn

David is absolutely wonderful! He made this entire process in getting a VA Loan as simple as it could have possibly been for my first mortgage! I have and will continue to recommend him to every Veteran I know. Thank you for everything, David.

Raymond Gummer

I had a difficult mortgage due to county issues etc. Fortunately I also had the best people working for me. You'll never regret a moment having Corey on your side. He's so dedicated to the customer, keeps you up-to-date on everything, and is just one hell of a guy. I have my first home because Corey made it happen, and I couldn't thank him enough. This guy is truly top of his game and I'm blessed to have had him on my team.

Susan Lenhardt

I can't say enough good things about Vinnie. If you want someone that contacts you right away and is there for you and your buyers the entire time through the whole process then you have to talk to Vinnie and see for yourself. My buyers are always very pleased with his professionalism and efficiency. He definitely goes the extra mile for them. They appreciate it and so do I.

Kristy Lynn

Raymond Gummer

Susan Lenhardt

Dominique Bell

Nicole was an absolute pleasure to work with! From the first conversation we had I knew we were going to be a great team for our buyer. She is thorough and communicates each step throughout the entire process up until closing day and she got my buyer $10k in grants! Thank you Nicole for all your hard work!

Yuritt Pasos

Brian and his team are amazing. From the first time I met Brian, he took the time to explain every step of the process with great patience and knowledge. I can honestly say I never expected for this process to feel so easy but Brian made it possible. I will always be thankful for all the support provided.

Meredith Smith

My family had a fantastic experience with Sunnie! Extremely capable and supportive, she helped us through the whole process with ease and a personal touch. We can't thank her enough! Even years after we closed our home, she still provides us with advice and encouragement. Thank you Sunnie!

Miranda Adams

I went through UMortgage using a VA home loan, and the agents I worked with were amazing! They worked all hours to help us get into a house and we were able to close in under 30 days! Amazing communication from both team members involved, Melly and Andy. They really made the difference in us being able to buy our first home. Huge thank you to the UMortgage team!

Nathalie Montes

I’ve had the pleasure of working with Lisa over the past year, and I can confidently say she is one of the best lenders in the industry. Her expertise with a wide range of loan products and dedication to finding the best solutions for my clients truly set her apart. Lisa goes above and beyond to secure excellent rates while ensuring a smooth, professional, and timely process from start to finish. If you’re looking for a knowledgeable, responsive, and trustworthy lender, Lisa is the one to call! I look forward to continuing our partnership and highly recommend her to anyone in need of a top-notch mortgage expert.

Find a Local Loan Originator

Become a
Confident
Buyer.

Get expert mortgage and local real estate market advice all in one. We support your VA loan process every step of the way.

Explore More Resources

Who is UMortgage?

UMortgage is a national mortgage company that connects you with experienced mortgage brokers in your area. UMortgage's local Loan Officers use UMortgage's vast portfolio of lenders and loan products to ensure you get the most affordable mortgage possible that is tailored to your individual financial needs and homeownership goals.

How does a mortgage work?

A mortgage is a loan used to buy a home, with the house serving as collateral until the loan is repaid. You make monthly payments that cover both the loan amount and interest across the life of the loan, which most commonly spans between 15-30 years.

How do I get pre-approved?

Getting pre-approved with UMortgage is easy! You can get connected with a local UMortgage Loan Officer who will do all the heavy lifting for you by filling out some basic information in this form.

How do I find out how much I can spend on a home?

Your UMortgage pre-approval will provide you with an accurate estimate of your buying power to help you shop for homes within your budget. You can use our free affordability calculator for a more general estimate of your budget.

What are the benefits of working with a UMortgage Loan Officer?

UMortgage's Loan Officers help you access the most affordable mortgage by shopping for the lowest rate on your behalf and offering a mortgage specifically tailored to your financial needs. UMortgage prides itself on its exceptional customer experience—exemplified by our industry-best 95 Net Promoter Score—and guides you through the homebuying process & beyond with care.

What types of mortgages does UMortgage offer?

UMortgage offers expert services for all the major mortgage types: Conventional, FHA, VA, USDA, and Jumbo Loans. UMortgage also offers rate & term refinances, cash-out refinances, VA IRRRLs, and FHA Streamlines. Get connected with a UMortgage Loan Officer to learn what type of mortgage will set you up for long-term financial success.

How long does it take to get a mortgage with UMortgage?

Turn times vary from client to client, but UMortgage proudly gets clients from loan application (after you've had an offer accepted on a home) to the closing table in 2 weeks. You can read this blog for more insight into UMortgage's homebuying process.

Get approved in just minutes!

APPLY NOW

We Do
Mortgages.

We Are Local.

You've Got Q's, We've Got A's.

Housing Market Update | Week of October 6th