Pick your goal.
Three core programs, plus 20 more through our lending partners.
Need something outside our core programs?
Primary-home purchases, FHA, VA, conventional refinances, owner-occupied HELOCs and more — we place those through lending partners we've trusted for 10+ years.
From inquiry to funded in three moves
Financing built for investors
Three core products qualified on the asset, plus a full menu of investor, commercial, and residential programs placed through our lending partners. Pick the one that fits the deal.
Don't see your scenario?
Primary-home purchases, FHA, VA, conventional refinances and owner-occupied HELOCs — we place those through partners we've trusted for 10+ years.
Tell us your scenarioDSCR loans
Long-term rental financing qualified on the property's cash flow — not your personal income.
Qualify on the property, not your paycheck
A DSCR loan looks at one thing: does the rent cover the payment? If the property's debt-service coverage ratio clears 1.00×, you can qualify — no W-2s, no tax returns, no debt-to-income gymnastics. It's the workhorse loan for investors building a rental portfolio.
What's included
- ✓ 30-year fixed, fully amortizing — predictable payments for the life of the loan
- ✓ 1–4 unit residential investment property, including 2–4 unit multifamily
- ✓ Vest in your own name or an LLC
- ✓ Cash-out and rate/term refinances, plus purchases
Who it's for
Home Equity Line of Credit
Tap home equity for working capital or growth without touching your low first-mortgage rate.
Liquidity without refinancing
A standalone equity line that lets owners pull from their property's value for business use — debt consolidation, working capital, growth, or the next deal — while leaving a low first mortgage untouched. Apply online, prequalify on a soft pull, and fund in as few as five days.
What's included
- ✓ Lines from $25K, terms of 10 / 15 / 20 / 30 years
- ✓ Up to a 3rd-lien position — sits behind your existing mortgages
- ✓ 100% online application with a soft-pull prequalification
- ✓ No out-of-pocket costs — fees roll into the line
- ✓ Redraw as you pay down, with no prepayment penalty
State note
Availability and structure vary by state. In Texas and New York the product is offered on owner-occupied primary residences only, at a fixed rate, with state-specific signing requirements. We'll confirm exactly what's available for your property when you apply.
Commercial
Multifamily, mixed-use, and commercial real estate, sized on net operating income and debt-service coverage.
Sized on the asset's income
Commercial financing for stabilized income property — apartments, mixed-use, retail, office, and more. We size the loan as the lesser of a loan-to-value cap and what the property's NOI supports at your target debt-service coverage, so the number you see is the number that closes.
What's included
- ✓ Loans from $250K and up on stabilized commercial assets
- ✓ 20–30 year amortization options
- ✓ Up to ~75% loan-to-value, subject to DSCR
- ✓ Purchase, refinance, and cash-out structures
- ✓ Entity vesting (LLC, LP, corp) welcome
Asset types
Inquiry to funded in three moves
A pipeline built around automation, so the slow parts of a loan simply aren't there.
Soft-pull pre-qualification
Tell us the deal and a specialist sends a quote, usually the same day. A soft inquiry — no credit-score impact to start.
Streamlined verification
Rents, taxes, insurance, and assets verified digitally by our lending partners — minimal paperwork, and no income documents on DSCR.
Close in days
Online closing with e-notary where available. Most files fund within roughly five business days.
What you'll need on hand
Most of it can be pulled automatically — here's the short list.
Built for investors, not paperwork
UniFi Mortgage exists to get investors capital quickly, with the friction engineered out of the process.
Built for how investors actually work
Traditional mortgage processes were built for owner-occupied homebuyers — income verification, long underwriting queues, weeks of waiting. Investors and business owners don't operate that way, and their financing shouldn't either.
We focus exclusively on business-purpose lending — DSCR, commercial, and equity lines — and lean on automation so the path from deal to funded is measured in days. You bring the deal; we bring the speed.
Speed as a feature
Soft-pull prequal, automated underwriting, funding in as few as five days.
Asset-first
We qualify the property's income and equity, not your tax returns.
Investor-only
Business-purpose financing is all we do, so the whole shop is tuned for it.
Straight answers
Real program parameters up front — no teaser rates, no surprises at closing.
Let's fund your next deal
Tell us about the property and we'll come back with preliminary terms today.
Get pre-qualifiedStart your file in two minutes
Tell us about the deal. A loan specialist reviews it and follows up with a quote, usually the same business day.
Pre-qualification request
Have a different scenario?
Primary-home purchases, FHA, VA, conventional refinances, owner-occupied HELOCs — if it falls outside our core programs, we place it through lending partners we've worked with for 10+ years. Tell us what you're working on and we'll route you to the right desk.
Tell us your scenario
Questions, answered
Disclosures
Business-purpose lending
UniFi Mortgage LLC offers business-purpose financing only. All loan products are intended for business, commercial, or investment purposes and are not for personal, family, or household use. Borrowers may be required to sign a business-purpose affidavit and, where applicable, a non-owner-occupancy affidavit.
Not an offer or commitment
The estimates and program parameters shown on this site are preliminary and for illustration only. They are not an offer, a commitment to lend, or a guarantee of rates, terms, eligibility, or approval. All loans are subject to full underwriting, verification, and final credit approval. Rates and parameters are examples and subject to change without notice.
Licensing
UniFi Mortgage LLC arranges business-purpose financing for real-estate investors and business owners. Loans are originated and funded by licensed lending partners; UniFi is not a direct lender and does not currently offer consumer-purpose loans. Program availability, licensing, and disclosure requirements vary by state, and UniFi arranges financing only where permitted. State license numbers will be listed here as they are issued.
Equal Housing Opportunity
UniFi Mortgage LLC is committed to the principles of the Equal Credit Opportunity Act and applicable fair-lending laws.
Privacy Policy
Effective September 28, 2026
UniFi Mortgage LLC ("UniFi," "we," "us") respects your privacy. This policy explains what we collect on unifimortgages.com, how we use it, who we share it with, and the choices you have.
Information we collect
Information you give us. When you request a quote, apply, or contact us, we collect what you enter: name, email, phone, property details, loan request details, credit-score range, and anything you write in a message. If you proceed to a full application, we collect the additional information required to underwrite a loan.
Information collected automatically. We and our service providers use cookies and similar technologies to collect device and usage data: IP address, browser type, pages viewed, referring URL, and advertising identifiers such as the Meta click ID (fbclid) and UTM campaign tags. See "Cookies and advertising" below.
How we use it
To respond to your request and provide quotes; to evaluate, process, and place loan requests with lending partners; to communicate with you about your request; to operate, secure, and improve the site; to measure and improve our marketing; and to comply with legal obligations.
Who we share it with
Lending partners. To place your loan we share your request with the lenders, brokers, and capital providers we work with. They use it to evaluate your request and may contact you directly. Service providers that host our site, store leads, send email or text messages, and run analytics and advertising on our behalf. Advertising platforms. We use the Meta Pixel and similar tools; see below. Legal. When required by law, subpoena, or to protect our rights. We do not sell your personal information for money.
Cookies and advertising
We use the Meta (Facebook) Pixel and may use other advertising and analytics tags. These tools set cookies and send Meta information about your visit, such as pages viewed and forms started or completed, and may send hashed contact information (email or phone) you enter into our forms so Meta can measure our ads and show you relevant ads. This may be considered "sharing" for cross-context behavioral advertising under California law. You can opt out through Meta's Ad Preferences, by using browser controls to block cookies, or by emailing us at the address below. We honor the Global Privacy Control browser signal where required by law.
Text messages and calls
By providing a phone number and submitting a form, you agree that UniFi and our lending partners may call or text you at that number about your request, including using automated dialing technology or prerecorded messages. Consent is not a condition of obtaining financing. Message and data rates may apply. Reply STOP to any text to opt out, or tell us during a call.
Your California privacy rights
If you are a California resident, you have the right to know what personal information we collect and how it is used, to request deletion, to correct inaccurate information, to opt out of the sharing of your information for cross-context behavioral advertising, and to not be discriminated against for exercising these rights. Information collected in connection with a loan application may be exempt under the Gramm-Leach-Bliley Act. To make a request, email us at the address below; we will verify your identity before responding.
Retention and security
We keep lead and application information as long as needed to serve your request and meet our legal and record-keeping obligations. We use reasonable administrative and technical safeguards, but no method of transmission or storage is completely secure.
Children
Our services are for adults. We do not knowingly collect information from anyone under 18.
Changes and contact
We may update this policy; the effective date above will change when we do. Questions or requests: [privacy@ — replace with real email], UniFi Mortgage LLC, [mailing address].
Terms of Use
Effective September 28, 2026
By using unifimortgages.com you agree to these terms. If you do not agree, please do not use the site.
No offer or commitment
Program parameters, estimates, and other content on this site are for general information only. They are not an offer, a commitment to lend, or a guarantee of rates, terms, eligibility, or approval. All financing is subject to application, underwriting, verification, and final credit approval by the lender.
Business-purpose lending
UniFi Mortgage LLC arranges business-purpose financing. Loan products described on this site are intended for business, commercial, or investment purposes and not for personal, family, or household use. Consumer-purpose requests may be referred to third-party lending partners.
Your submissions
You agree that information you submit is accurate and that you are authorized to provide it. You consent to be contacted as described in our Privacy Policy.
Intellectual property
The site, its design, text, and graphics are owned by UniFi Mortgage LLC or its licensors and may not be copied or reused without permission.
Third-party links and partners
The site may link to or refer you to third parties, including lending partners. We are not responsible for their content, products, or privacy practices.
Disclaimer and limitation of liability
The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, UniFi Mortgage LLC is not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its content.
Governing law
These terms are governed by the laws of the State of [state], without regard to conflict-of-law rules.
Contact
Questions about these terms: [email].
Accessibility
UniFi Mortgage LLC is committed to making unifimortgages.com usable by everyone, including people who use assistive technology. We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA.
What we do
Semantic headings and landmarks, keyboard-navigable menus and forms, labeled form fields, sufficient color contrast, resizable text, and respect for the operating-system "reduce motion" setting on animated elements.
Ongoing effort
Accessibility is an ongoing effort and some content may not yet fully meet these guidelines. We review the site regularly and fix issues as we find them.
Need help or found a problem?
If you have difficulty using any part of this site, or would like to request information in an alternative format, contact us at [email] or [phone] and we will assist you promptly.