Home / Swift Home Loans
Our partnership
UMortgage Cincinnati is a Swift Home Loans company. Here's what that means for your loan, and why we built the business this way.
Why Swift
Swift Home Loans was founded by a team of former retail loan officers, based in Birmingham, Michigan. They know what a loan officer needs to serve a client well, because that's the job they came from.
For a boutique team like ours, that matters. Swift handles licensing, compliance and funding across 49 states. That lets UMortgage Cincinnati spend its time where you feel it: answering your texts, structuring your file and keeping your agent in the loop.
The result is a local team that can offer broker, correspondent and Full Eagle FHA lending under one roof, without handing you off to a call center.
Three lending channels
Many lenders work through a single channel. Swift gives UMortgage Cincinnati three. We pick the one that gives your file the best combination of rate, cost and certainty.
Access to a range of wholesale lenders
When another lender's program is the best fit for your file, the broker channel lets us shop it for you instead of forcing your loan into one rate sheet.
Often used for: Self-employed buyers, unusual properties, investors comparing DSCR pricing.
Loans closed in Swift's name
Swift funds and closes the loan itself, which keeps more of the process, and the timeline, under one roof.
Often used for: Conventional, jumbo and second-home loans where speed and control matter.
FHA underwriting in-house
Full Eagle approval lets FHA loans be underwritten and approved without waiting on an outside lender's review.
Often used for: First-time buyers and anyone who needs FHA's credit and down payment flexibility.
Channel and program availability depend on the loan, property and borrower qualifications. All loans subject to credit approval.
Who does what
| UMortgage Cincinnati | Swift Home Loans | |
|---|---|---|
| Your first conversation | Breon, by phone, text or in person | Not involved |
| Loan strategy and pricing | Breon compares options across channels | Provides the programs and pricing |
| Documents and pre-approval | Taylor collects and reviews | Secure application platform |
| Underwriting | Prepares and submits the file | Underwrites (or routes to a wholesale partner on brokered loans) |
| Updates to you and your agent | At every milestone | Not involved |
| Licensing and funding | Loan officer licensed through Swift | Licensed lender, NMLS #2075228 |
Want to join us?
UMortgage Cincinnati is growing. If you want a local brand, a real team and Swift's lending channels behind you, let's talk.
Send a few details and Breon will come back with a side-by-side across the channels that fit your file.
