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Welcome and thank you for visiting my website. I look forward to putting my company's mortgage services to work for you!

We offer helpful mortgage tools designed for easy, convenient, online shopping for the best loan programs and most current rates available.Together with the assistance of an experienced live loan officer,we guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
Need to refinance? Do you need to lower your interest rate, pay off credit card debt, or get cash out to remodel your home - be it a kitchen, bathroom or backyard - you can apply here so that I will be able to help find the right loan for you.

 

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Contact Information
Michael Ciorrocco NMLS ID #161487
Branch Manager
Office: (410) 334-3583
Toll Free: (800) 401-0489 Ext. 1113
Cell: (443) 235-9283
Fax: (443) 321-1760
Email: Send Email
Michael Ciorrocco NMLS ID #161487, Branch Manager
Universal Mortgage & Finance, Inc.
106 Milford St, Suite 402, Salisbury , MD  21804
Office:  (410) 334-3583
Toll Free:  (800) 401-0489 Ext. 1113
Cell:  (443) 235-9283
Fax:  (443) 321-1760
croc@umafi.com
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