1. www.umafi.com Florida Division Where the borrower’s needs come first.

2. About Universal Mortgage & Finance, Inc. With over 15 years as a direct lending institution, Universal Mortgage & Finance, Inc. has built a strong reputation in the mortgage industry, serving the needs of home buyers, real estate professionals and builders. Universal Mortgage & Finance, Inc. is suitably equipped with Underwriting, Closing, Funding and In House Appraisal Management; ensuring quality, efficiency, consistency and accuracy. www.umafi.com

3. About Universal Mortgage & Finance, Inc. Locations Universal Mortgage & Finance, Inc. is growing nationally, and has locations currently servicing the following states: Alabama, Delaware, District of Columbia, Florida, Georgia, Indiana, Maryland, Minnesota, New Jersey, Pennsylvania, North Carolina, Tennessee, Texas and Virginia. www.umafi.com

4. Career Opportunities Join the team that cares about you… Loan Originators Universal Mortgage & Finance, Inc. offers loan originators a generous pay scale with incentives on loan volume. Universal Mortgage & Finance, Inc. offers a full range of programs to meet the borrower’s needs and a fully automated and paperless process with a prompt turnaround time; averaging 24-48 hours for underwriting conditions and decisions. Enjoy the luxury of In-house processing, underwriting, closing, funding, and appraisal order management. Corporate training and support are available as well as full health benefits and 401K plans. www.umafi.com

5. Career Opportunities Join the team that cares about you… Retail Branches Universal Mortgage & Finance, Inc. offers licensed retail branch opportunities to qualified individuals. Mortgage professionals can reap the benefits of earning maximum profits and rewards with minimal fees. Enjoy the luxury of In-house processing, underwriting, closing, funding, and appraisal order management. Universal Mortgage & Finance, Inc. offers a high level of support such as; IT, HR, Compliance, Corporate Training, Product Development, Licensing and Statutory/Regulatory Reporting. If you are Currently a mortgage branch manager or an ambitious loan originator looking to take your business to the next level, then look no further. Universal Mortgage & Finance, Inc. provides the best platform and support for you to reach your goal. www.umafi.com

6. Florida Division Locations: Miami Lakes Operations center HialeahMiami WestonDoral Miami SpringsOrlando Coming Soon: Coral Gables For more information Universal Mortgage & Finance, Inc. in your area or joining our team as a loan originator, please contact us… Ivan Gonzalez Branch Manager (786) 866-7811 office or (305) 951-3171 cell igonzalez@umafi.com www.umafi.com