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Universal Trust Mortgage


A Mortgage is a document that contains the details of an agreement between two parties. One of which is a borrower and the other party is a lender. The Agreement will include information like, Loan amount, Time period of the loan, Interest and the collateral on the loan, which is normally, the property being bought. A mortgage broker is generally a person or company whose expertise lies in the field of mortgage laws, properties available for sale, and loan procedures. They provide these services to clients for a fee, which is usually a percentage of the loan or property amount.

Universal Trust Mortgage was formed in January 1992. Its founder Chris Wilson was born in the UK and was a practicing accountant in Britain, before moving to Florida in 1981 and was formed specifically to provide a service for foreign national loan applicants.

Since its formation the staff has increased to nine mortgage brokers, and its scope has been increased to include all aspects of the Mortgage Brokerage Business. This includes mortgages for residential new homes and re-sales, commercial loans, manufactured homes, re-financing and home equity lines of credit. The company is a member of both the Florida and National Associations of Mortgage Brokers, and is also a member of the Osceola Chamber of Commerce.

The buyers' closing costs are those associated with obtaining a mortgage and include survey, appraisal, termite inspection, points, origination fee, title insurance, documentary stamps on the note and other miscellaneous fees + optional fees for home inspection, warranty, radon test, etc. The seller traditionally pays for title insurance, documentary stamps on the deed, recording fees and the brokerage. These costs are traditional and vary by are.

The Company is committed to providing the best service to clients seeking it from this industry as also to the pursuit of excellence, integrity being the forefront of their list of objectives.

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