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We make home financing feel easy.

Take your loan from quick to closed in eight minutes flat, using only UHome Mortgage.

See What I Qualify For

Buying

Refinancing

Today's rates

No impact on credit score

No hidden costs

No documents required

Rated 5.0 (Excellent reviews)

How can we help get U Home?

Get a free rate quote

Find the best rates tailored to your needs - no cost, no obligation.

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Compare rates

Easily explore and compare rates to save on your mortgage.

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Get pre-approved

Take the first step toward your dream home with a quick pre-approval.

Get Pre-Approved

Step By Step Process To Get U Home!

Connect & Discover

We begin with U — yoUr goals, yoUr timeline, yoUr home.

Get Pre-Approved & Find Your Home

Apply & qualify to discover yoUr true home power. Connect with trusted realtors and tools to shop with confidence.

Lock Your Rate & Finalize Your Loan

Secure your rate while we verify documents, order the appraisal, and guide you through processing and underwriting.

Clear To Close & Closing Day

You’re approved and ready. Sign, celebrate, and grab the keys to your new home.

Find the right loan for you

Adjustable-Rate Mortgages (ARMs)

If you’re planning to sell, refinance, or move within the next few years, an ARM can help you save thousands upfront.

Bank Statement Loans

Qualify using bank statements instead of traditional income documents.

Conventional Loans

Perfect for borrowers with steady income, good credit, and a desire to build long-term equity.

DSCR Investor Loans

Designed for real estate investors that qualifies you based on the property’s cash flow — not your personal income.

FHA Loan

Suited for first-time buyers or those with lower credit scores, these loans require smaller down payments.

First Time Buyer Loan

Tailored for new homebuyers, often featuring low down payments and incentives.

Fixed-Rate Mortgage

A reliable home loan where the interest rate remains constant throughout the entire loan term.

Home Equity Line of Credit (HELOC)

Think of a HELOC as a reusable line of credit tied to your home’s value. Once approved, you’ll have access to your funds — and you can use as much or as little as you like during the draw period.

See where we are licensed to operate

Benefits of working with us

Hassle free process

Simplified steps for an easy journey. We handle the details for you.

Stellar service

Support whenever you need it. Service that stands out.

Open communication

Transparent updates at every step. We keep you informed, always.

Specialized expertise

Tailored solutions for your unique needs. Focused experience you can trust.

Low rates

Save more with our competitive rates. Affordable options without compromise.

Guidance

Clear advice for confident decisions. Simplifying the process for you.

Be the first to know when the rates drop

Never miss a rate drop
Make well-timed decisions
Take advantage of low rates

Notify me of rate drops

See what our customers say about us

Jasmyne Taylor

Working with Coby was excellenct, he was able to answer all of my questions and guide us through the process, which was super quick !!!!

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Christina Roach

Huge thank you to Coby Pegues for an exceptional job guiding our clients through the lending process from start to finish. His communication, professionalism, and attention to detail made the entire experience smooth, efficient, and stress-free. When you have a lender who truly cares about the client and the outcome, it makes all the difference and this was a perfect example of teamwork done right.

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Grateful to work alongside partners who consistently show up and deliver. Looking forward to many more successful closings together!

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Nijell and Ronisia Jones

I had such a great experience with UHome. The team was professional, knowledgeable, and made the whole process smooth from start to finish. They answered all of my questions, kept me updated every step of the way, and worked hard to get me the best possible deal. I felt supported the entire time and would definitely recommend them to anyone looking to buy or refinance a home!

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Azeez Ojulari

Coby had outstanding service and support. He made the process easy to understand and handled everything with care and efficiency. first home-buying experience such a smooth and stress-free process. Your guidance, patience, and responsiveness truly made all the difference!

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Jackie Butler

Thank you Coby for you and your team making this home processing experience easy! I really enjoyed working with you guys. I will definitely be coming back to you for more business.

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Ryan Watkins

Working with Coby and Jackie at UHome Mortgage was an absolute dream. From start to finish, they made the entire process smooth and stress-free. They were incredibly knowledgeable, patient, and always available to answer my questions.

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What really stood out was how much they genuinely cared. They took the time to walk me through every step, explained all my options clearly, and made sure I felt comfortable and confident in my decisions. Their professionalism and personality gave me total peace of mind. Thanks for everything again!

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Get customized rates tailored to your mortgage needs right here, right now.

Join our happy customers and experience the difference today.

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The honest FAQ.

Questions we get every day, answered the way we’d want them answered. Still stuck? Call 404-919-5533.

Do I need to be a W-2 employee to get a mortgage?

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Will checking my rate affect my credit score?

What’s your close-on-time guarantee, really?

Do you sell my loan after closing?

What if my credit isn’t perfect?

Are your rates really that low?

Take your first step towards your home loan journey

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