Check out other products provided by ubermortgage.

Connect with a Loan Officer

Loan Officer Thomas Johnston

Loan Officer Thomas Johnston | NMLS# 1583463; Arizona, California, Oregon, Texas and Washington

Thomas is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.
Experienced, knowledgeable, and always up to date on the industry's latest products, Thomas strives to exceed the customers' expectations in each and every transaction.

Do you have any questions? Please call 866-610-6025

Available Products

Product Name Description

USDA Guaranteed Home Loan vs the USDA 502 Direct Loan

A USDA home loan is a zero down payment mortgage loan with low mortgage rates for eligible rural and suburban homebuyers. Find out if you qualify for a USDA home loan and start your search today.

Definition of Qualified Mortgage (QM)

The Federal Deposit Insurance Corporation (FDIC) and five other agencies finally completed their definition of the related Qualified Residential Mortgage (QRM) rule. Read more to learn about a qualified mortgage.

Freddie Mac Home Possible Loan

Low Down payment financing with discounted fees for creditworthy low- and moderate-income borrowers.

USDA offers Homeownership Opportunities with No Down Payment

Learn more about paying nothing down on a USDA home loan.

FHA vs. Conventional: Choosing the Right Loan for You

FHA vs. Conventional: We will take a look at both FHA and Conventional mortgage types to help you decide which home loan is right for you.

5 Tips for First-Time Homebuyers

These steps will help rookies streamline the process and avoid unpleasant surprises.

What is an FHA Loan Guarantee?

The Federal Housing Administration (FHA) guarantees the approved lenders that it works with reimbursement of their loss in the event a homeowner defaults. FHAs insurance pool pays out claims to lenders and servicers of its home loans, such as banks, credit unions, mortgage companies and savings and loans. The FHA loan guarantee helps borrowers with less than perfect credit and modest incomes acquire financing for a purchase or refinance.

USDA Rural Home Loan

Learn more about how to get a USDA home loan in rural areas.

Single Family Housing Programs—USDA Rural Development

Learn more about the single family housing program offered by USDA rural development program.

What are the maximum loan amounts for 2018?

Find out what the maximum loan amounts for 2018 are.

How does mortgage refinancing work?

Learn the fundamentals about mortgages and refinance your mortgage.

HomeReady Mortgage Program Overview

Comprehensive overview of the Fannie Mae HomeReady Mortgage Program including program guideline and borrower qualification requirements.

Where can I get my credit score?

There are a few main ways to get your credit score, including from a credit card or other loan statement, a non-profit counselor, or for a fee from a credit reporting agency.

USDA Loan Eligibility Requirements

Learn more about USDA Loan eligibility and if you or your next home qualifies for the program.

What’s the difference between a mortgage rate and APR?

Knowing the difference between a mortgage rate and an APR can help you pick the best loan for your situation. Read more to learn what you need to know.

Maximum Mortgage Limits 2018

The Federal Housing Administration announced neatly every area of the U.S. will see FHA loan limits increase in 2018.

FHA Loan Limits for 2018: Maximum Mortgage Amount by County

On this page, you’ll find links to the 2018 FHA loan limits for all counties in the U.S. The limits were increased in response to rising home prices.

What’s the difference between private mortgage insurance (PMI) and mortgage insurance premium (MIP)?

Learn more about the difference between private mortgage insurance (PMI) and mortgage insurance premium (MIP).

U.S. Department of Housing and Urban Development- fha faq

Read descriptions of some of the frequently asked questions.

Guide to Getting a FHA Mortgage Loan

The Federal Housing Administration (FHA) mortgage loan is great for people who want to buy a home but can’t pull together a large down payment.

FHA Credit Score Requirements

One of the great benefits of the FHA mortgage loan is that people who wound not have qualified for an affordable conventional mortgage loan might be able to qualify for an FHA loan. Learn more about the credit score requirements for FHA loan.

USDA Income Eligibility Guidelines and Maximum

How much can you make and still be eligible for the USDA home loan program?

FHA Adjustable Rate Mortgages in 2018 (FHA ARM)

FHA adjustable rate mortgages (ARM) are HUD mortgages specifically designed for low and moderate-income families.

USDA Loans—Complete Guide to the USDA Loan

Officially known as the Section 502 Single Family Housing Guaranteed Loan Program, the USDA loan is a $0 down mortgage option available to rural and suburban homebuyers in the United States. Learn more about the USDA Loan and why it is the best choice for millions of potential homebuyers.

Minimum FHA Credit Score Requirement Falls 60 Points

Credit score requirements relax for FHA loans which is helping more borrowers qualify. Analysis and effect on housing, plus today’s live FHA mortgage rates.

FHA Loan Credit Score Requirements for 2018

Do you have a FICO credit score that will qualify you for an FHA loan? You’ll need a 580 if you plan to put down the lowest down payment possible. Read more about FHA loan credit score requirements.

FAQ Home Possible Mortgages—Freddie Mac

These frequently asked questions about Home Possible mortgages will help you better understand some of the requirements surrounding Freddie Mac's low down payment offerings, including requirements for homebuyer education and lender gifts and grants.

USDA Loans—Land Value vs. Home Value

Underwriters are going to look at the appraisal, and if the land is worth more than 1/3 of the total sales price, it won’t work for the bank.

What Is A Mortgage Refinance, In Plain English

How to refinance a mortgage, plus explanations of “special” programs such as HARP, FHA Streamline Refinance, VA IRRRL.

Balloon Loan

A balloon loan is a types of loan which does not fully amortize over its term.

What is tribal lending? Compare lenders, rate, and safety

Here’s all the information you need to know about tribal lenders to make sure you’re getting a safe and affordable loan.

Minimum Credit Score for FHA

The FHA loan credit score requirement for a mortgage loan is 500 with a 10% down payment. A 580 credit score is needed with a 3.5% down payment.

How Soon Can I Refinance My Mortgage After Purchasing a Home?

Notice the mortgage rates lowing shortly after buying a new home? Learn how soon you can refinance after purchasing your home and if it makes sense for you.

How to get Rid of PMI—Private Mortgage Insurance

Learn ways to shed this added monthly housing expense.

VA Loan Vs. FHA Loan: Comparing Mortgage Options

FHA loans have become increasingly popular. But most qualified military borrowers will save more money and enjoy greater buying power using a VA loan.

Improve Credit Score

Get tips on how to raise your credit score and manage credit responsibly, including paying bills on time, paying off debt, and managing credit history.

What is the Maximum Loan Amount For a USDA Loan?

While there is no set maximum loan amount dictated by the USDA rural home loan program, the maximum amount you can borrow will be determined.

Qualified Mortgage Credit Certificate

Read to learn more about Mortgage Credit Certificates.

What is a HomeReady Mortgage?

HomeReady mortgages are a home loan product from Fannie Mae that can help lower your down payment and secure loan approval when you rely on contributions from family or friends.

What is a Good Credit Score?

For a score between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above is considered to be excellent. Find out more about good credit scores.

Affordable Housing Grant

Information regarding affordable housing grans and loans.

Section 184 Indian Home Loan Guarantee Program

Details of section 184 Indian Home Loan Guarantee Program

Steps to Buying a Homes—CA Housing Finance Agency

CalHFA understands that buying a home is a huge responsibility. Before you leap into all of the benefits of homeownership, you should get prepared first.

Redevelopment & Housing Program

Learn more about redevelopment and housing program in a city near you.

Mortgage Credit Certificate: What is it? How does it work?

Ubermortgage manages various Mortgage Credit Certificate (MCC) programs, to help homebuyers get the most from their home purchase. The MCC Tax Credit is a federal credit which enable first-time homebuyers to convert a portion of their annual mortgage interest into a direct dollar for dollar tax credit on their federal income tax return.

HUD Section 184 Loan Program

A comprehensive overview of the HUD Section 184 Loan Program for Native Americans including borrower qualifications and eligibility requirements.

Types of Interested Party Contributions (IPCs)

When sellers pay loan closing costs, the buyer wins. Here’s how much you can accept from the seller for a conventional, USDA, FHA, or VA loans.

What is a USDA Loan? Eligibility, Rates & Advantages for 2018

A USDA home loan is a 100% financing (zero down payment) mortgage offered by the U.S. Department of Agriculture to home buyers in less densely populated areas of the country. Eligibility is determined by home location, income level, and other requirements.

Section 184 Indian Home Loan

When native Americans in California look to purchase a home, they face unique challenge. The most common of these problems is an inability to acquire a mortgage for a home built on reservations or tribal land.

What is a Conventional Loan?

If you are looking for the definition of Conventional Loan—look no further.

Chenoa Fund

Chenoa Fund is a Affordable Housing Program.

Non-Occupying Co-Borrower Guidelines: FHA and Freddie Mac Edition

A non-occupying co-borrower that has a solid credit history, low debt and enough income to meet their needs as well as help one of their relatives can step in and boost an overall mortgage application.

USDA Home Loan Information & Resources

A USDA Guaranteed home loan is funded by an approved USDA lender under a specialized loan program administered by the US Department of Agriculture.

How Credit Score Affects Your Mortgage Rate

A higher credit score earns you a lower mortgage rate, which means you’ll save by paying less in interest. Score of 720 and up earn the best rate on conventional mortgages. Learn more about how your credit score affects your rate.

What is GSFA?

The GSFA Platinum Down Payment Assistance grant program offers up to 5% to pay a home buyer’s down payment and closing costs. Check your eligibility here.


Origination is the process of creating a home loan or mortgage.

No-Ratio Mortgage

A mortgage program in which a borrower’s income isn’t used or reported in qualifying the borrower for the mortgage.

Qualifying Ratios

Qualifying ratios are ratios that are used by lenders in the underwriting approval process for loans.

Applying For An FHA 203(k) Loan

If you have the time and energy, the 203(k) loan is often the only way to finance a property needing significant repairs.

An Introduction to the FHA 203(k) Loan

If you’re looking at a fixer-upper, the Federal Housing Administration rehab loan may be the mortgage for you.

Mortgage Guide

Have you finally reached that time in life where you’re ready to buy a home? Luckily for you, we have put together all the information you will need to get the right mortgage and the right lender, for the right price.

10 Worst Mistakes First-Time Homebuyers Make

Are you about to buy your first home? Check out these errors that can wind up costing you more than the coveted key to your first home.

The FHA’s Minimum Property Standards

If you are thinking of purchasing a home with an FHA loan, here are some standards that must be met.

Is An FHA Mortgage Still A Bargain?

Read to learn about the value of a FHA mortgage before committing to a mortgage program.

Top Reasons to Apply For An FHA Loan

Learn when it is a good idea to apply for a Federal Housing Administration Loan.

FHA Loan: Basics and Requirements

An FHA loan is a mortgage insured by the Federal Housing Administration (FHA), designed for lower income borrowers unable to make a large down payment.

HUD versus FHA loans: What’s the Difference?

Learn how the U.S. Department of Housing and Urban Development (HUD) are used interchangeably with Federal Housing Administration (FHA) to refer to “government loans” for would-be home buyers.

Mortgage Credit Certificate Program

Overview of the GSFA MCC Program. Provides a federal income tax credit to qualifying homebuyers.

How Does Refinancing Your Home Work

Refinancing your home 101. Educate yourself on what refinancing can and cannot do for you.

Difference Between APR and Interest Rate

The terms APR and interest are often used interchangeably in casual conversation, but it is important to know the difference between APR and interest.

Assurant Lenderx

Learn more about LenderX and how to control your appraisal management process.

Buying Your First Home: How to Prepare

Looking into buying your first home? Congrants! A house might be the biggest purchase of your life: Here’s How to make sure you’re financially prepared.

Home in 5 Advantage Eligibility

Learn if you qualify for the home in 5 advantage program.

Closing Disclosure (CD)

Learn about Closing Disclosure (CD) and which forms are required.

Rural Housing Site Loans—USDA Rural Development

Find details about rural housing loans and programs.

Connect with a Loan Officer

Loan Officer Thomas Johnston

Loan Officer Thomas Johnston | NMLS# 1583463; Arizona, California, Oregon, Texas and Washington

Thomas is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.
Experienced, knowledgeable, and always up to date on the industry's latest products, Thomas strives to exceed the customers' expectations in each and every transaction.

Do you have any questions? Please call 866-610-6025