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Ana Exposito
Loan Officer
Office: (410) 919-2269
Email:   ana.exposito@umafi.com
Website: http://www.umafi.com/ana
NMLS #: 367299
Anthony Modrono
Loan Officer
Toll Free:   (800) 316-6846
Email:   amodrono@umafi.com
Website: http://www.anthonymodrono.umafi.com
NMLS #: 193584
Bernie Ward
Loan Officer
Toll Free:   (800) 316-6846
Email:   Bernie.Ward@umafi.com
Website: http://www.umafi.com/bernie
NMLS #: 758362
Carlos Arias
Loan Officer
Email:   carlos.arias@umafi.com
Website: http://www.umafi.com/carias
NMLS #: 18252
Chris Short
Branch Manager
Direct:   (410) 919-2275
Email:   chris@umafi.com
Website: http://ChrisShort.umafi.com
NMLS #: 161618
Chris Schiele
Secondary Marketing Manager
Toll Free:   (800) 316-6846
Email:   chris.schiele@umafi.com
Website: http://www.umafi.com/cschiele
NMLS #: 203686
Danny Horrell
Sales Manager
Direct:   (302) 918-3023
Email:   danny@umafi.com
Website: http://DannyHorrell.umafi.com
NMLS #: 160526
David Fuentes
Loan Officer
Toll Free:   (800) 316-6846
Email:   david.fuentes@umafi.com
Website: http://www.DavidFuentes.umafi.com
NMLS #: 226083
Eileen Ojeda
Loan Processor
Email:   eileen@umafi.com
NMLS #: 226887
Ernest J Donaldson
Loan Officer
Toll Free:   (800) 316-6846 Ext. 2255
Email:   ernie@umafi.com
Website: http://erniedonaldson.umafi.com
NMLS #: 160865
Fred J. Janson
Loan Officer
Toll Free:   (800) 401-0489 Ext. 1108
Email:   Fred@umafi.com
Website: http://FredJanson.umafi.com
NMLS #: 347726
Jason Yates
Loan Officer
Toll Free:   (888) 449-4472
Email:   jyates@umafi.com
Website: http://JasonYates.umafi.com
NMLS #: 274425
Joi Grady
Loan Officer
Toll Free:   (800) 316-6846
Email:   Joi@umafi.com
Website: http://www.umafi.com/joi
NMLS #: 69771
Jose Gonzalez
Loan Officer
Direct:   (305) 297-3014
Email:   Jose.Gonzalez@umafi.com
Website: http://www.umafi.com/jose
NMLS #: 226765
Kenneth King
Loan Officer
Toll Free:   (800) 316-6846
Email:   Kking@umafi.com
Website: http://www.KennethKing.umafi.com
NMLS #: 386490
Kevin Kreider
Loan Officer
Toll Free:   (800) 316-6846 Ext. 1132
Email:   kevin@umafi.com
Website: http://kevinkreider.umafi.com
NMLS #: 161534
Kevin Jarrell
Loan Officer
Direct:   (804) 869-1919
Email:   Kevin.Jarrell@umafi.com
Website: http://www.umafi.com/KevinJarrell
NMLS #: 257436
Luis Rodriguez
Loan Officer
Toll Free:   (800) 316-6846
Email:   luis@umafi.com
Website: http://www.LuisRodriguez.umafi.com
NMLS #: 227004
Michael Ciorrocco
Sales Manager
Toll Free:   (800) 401-0489 Ext. 1113
Email:   mciorrocco@umafi.com
Website: http://MikeCiorrocco.umafi.com
NMLS #: 161487
Michelle Lapiana
Loan Officer/Loan Processor
Email:   michelle.lapiana@umafi.com
Website: http://www.umafi.com/mlapiana
NMLS #: 310124
Mike Losten
Loan Officer
Direct:   (302) 918-3017
Email:   mlosten@umafi.com
Website: http://MikeLosten.umafi.com
NMLS #: 275172
Osvaldo Miller
Loan Officer
Email:   osvaldo.miller@umafi.com
Website: http://www.umafi.com/Osvaldo
NMLS #: 226887
Rafaela Garcia
Loan Officer
Toll Free:   (800) 316-6846
Email:   rafaela.garcia@umafi.com
Website: http://www.umafi.com/rafaela
NMLS #: 291288
Randy Jernejcic
Loan Officer
Direct:   (302) 918-3027
Email:   randy.jernejcic@umafi.com
Website: http://www.RandyJernejcic.umafi.com
NMLS #: 375680
Robert Taylor
Secondary Marketing Manager/Loan Officer
Direct:   (800) 316-6846
Email:   rob@umafi.com
Website: http://www.robtaylor.umafi.com
NMLS #: 132188
Universal Mortgage & Finance, Inc.
3158 Braverton Street, Edgewater, MD  21037
Toll Free:  (800) 316-6846
Fax:  (410) 956-4161
Fax:  (410) 956-8170
it@umafi.com
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