Stop Universal American Mortgage Company, LLC Phone Harassment

Resources for resolving common issues with Universal American Mortgage Company, LLC products and services

You can reduce the number of unwanted calls from Universal American Mortgage Company, LLC you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.

How do I register?

Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)

If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.

How long does it take?

Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.

Reporting Illegal Calls

Where can I file a complaint about an illegal sales call or a robocall?

To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).

Will I hear back from the FTC regarding my complaint?

Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.

What's a Robocall?

If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.

What Should You Do If You Get a Robocall?

If you get a robocall:

  • Hang up the phone. Don't press 1 to speak to a live operator and don't press any other number to get your number off the list. If you respond by pressing any number, it will probably just lead to more robocalls.
  • Consider contacting your phone provider and asking them to block the number, and whether they charge for that service. Remember that telemarketers change Caller ID information easily and often, so it might not be worth paying a fee to block a number that will change.
  • Report your experience to the FTC online at or by calling 1-888-382-1222.

New Universal American Mortgage Company, LLC Consumer Complaints


Universal American Mortgage Company, LLC Mortgage application, originator, mortgage broker

March 19, 2017 - - and - were in the process of buying a property in -, Florida. The process started around the beginning of -/-/- and lasted until -/-/-. The mortgage company was Universal American Mortgage Company ( UAMC ), and the loan officer that handled the loan was -. The entire process lasted around 4 months. It lasted so long that we needed to provided the same information ( updated ) over, and over again. - was -, she was put on - around -/-/-. She had a - on -/-/- and was put on bed rest as well, she was - weeks -. Her - was going to last until th...

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Universal American Mortgage Company, LLC Mortgage loan servicing, payments, escrow account

December 6, 2016 - I decided to buy a - home that was almost done being built. From the beginning, I was rushed to complete the loan docs and close by -/-/2016. I was encouraged to use their lender UAMC because they offered closing costs and covered other expenses. The first lending disclosure showed the monthly payment to be approx. $2100.00. After submitting additional documents as requested, I received another lending disclosure through - that showed the amount to be approx. $2600.00. I talked to the mortgage consultant I was working with - - and asked why the new disclosure showed a differe...

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Universal American Mortgage Company, LLC Mortgage loan modification,collection,foreclosure

November 30, 2016 - Universal American Mortgage Company , LLC ( UAMC ), committed multiple violations of CFPB and Federal Regulations during my evaluation for Loss Mitigation Workout options. The application contained inaccurate financial information, which differed from the evidence submitted and was not discovered or properly reviewed. There was a violation of dual-tracking as well. After being denied for Loss Mitigation Workout, I appealed the decision within the allotted time ( 30 days ). While reconsidering loss mitigation options following the acceptance of my appeal, UAMC 's lawyers submitted a Motion for ...

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Universal American Mortgage Company, LLC Mortgage settlement process and costs

November 11, 2016 - I applied for a mortgage thru -, affiliate of - to purchase a - home, I submitted a $10000.00 deposit to -. The loan was not approved due to the sale of my current home not going thru and I have since been denied the return of my $10000.00 deposit from -. See communication from -, -, - # - Phone # -...

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Universal American Mortgage Company, LLC Mortgage application, originator, mortgage broker

July 4, 2016 - We recently used Universal American Mortgage Company ( UAMC ) that is owned by the builder -. It was overall a poor experience, however we had - issues that were concerning and unethical. The first issue was misrepresentation by the loan officer - -. When she pulled our credit for the loan she told us that my credit score had gone down and we would have a higher interest rate and MIP. This was incorrect - no credit score had gone down, - of the credit reporting bureaus was not reporting and they would have to use a lower score. This resulted in a significantly higher monthly pay...

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Universal American Mortgage Company, LLC Mortgage credit decision / underwriting

June 22, 2016 - We placed a contract on a new construction spec home owned by -. At the time, our current home was under contract ( cash deal ) and we had to close in 3 weeks. The realtor at - did not make the sales contract contingent on the sale of our home, but instead made it contingent on our ability to obtain financing within 30 days. He also suggested that we put down a hefty binder deposit of - to secure this new home. We did. Two days after signing the contract for the purchase of our new home with -, our buyers backed out of the deal to purchase our existing home. This left us with -...

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Universal American Mortgage Company, LLC Mortgage settlement process and costs

April 7, 2016 - Re : my loan and mortgage payoff. It has been over 5 months (! ) since my loan was paid in full. Yet I have not had one word from UAMC re my payment. More importantly a RELEASE REQUEST from UAMC ( releasing the mortgage lien from the title ) has not been sent either to me or to the title company. This delay in sending the release request within a reasonable time of final payoff is ridiculous to say the least. My only clue as to the final payment was simply that it was recorded on the UAMC website as loan closed. Requests have been answered with " we are backed up ''. Actual personnel has othe...

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Universal American Mortgage Company, LLC Mortgage loan servicing, payments, escrow account

March 24, 2016 - I applied a mortgage through Universal American mortgage company o n - -, my - number is # -. During the processing, I noted to their mortgage officer - -, and, processior - -, that I am always on the trip, so best way to reach me is by emailing. Till to the mortgage was approved, everything working perfect, and I finally got my loan. I start to mail the mortgage payments by mailing checkes, start from - - until - -. At that 8 months, I try to set up the auto pay to avoid any delay or - payments, and wrote email to - - - on -, -, -, ...

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Universal American Mortgage Company, LLC Mortgage credit decision / underwriting

March 1, 2016 - I am a - veteran with a service connected 90 % - rating. Last year in - we went looking for a new home. For two years, I had been working on my credit reports. I repaired a lot of issues and once my scores went above the required -, my wife and I went home shopping. Across the street from our church and daughters school was a new home subdivision just going in. It was being built and constructed by -. In - of 2015 we found our home and through -, contacted the mortgage company called UAMC ( Universal American Mortgage Company ). They immediately approved us and we signed a...

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Universal American Mortgage Company, LLC Mortgage settlement process and costs

January 17, 2016 - During the purchase of our home, we completed and finalized a mortgage loan with UAMC. After it was finalized, UAMC realized they made an error and could not sell the loan to a - party. They then asked us to please do them a favor and refinance the loan. UAMC would cover all expenses so we would have no out of pocket fees and then they would be able to sell the loan. I was told in writing, numerous times, that we would not have to come out of pocket for ANYTHING. On the day we were to sign the papers, the notary told us we owed $1600.00. Prior to signing anything, we called the loan off...

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Universal American Mortgage Company, LLC Mortgage loan servicing, payments, escrow account

December 22, 2015 - For several months, bills from Universal American Mortgage Co., LLC have been delivered to the attention of the deceased prior owner of a condo I purchased in foreclosure from - - in - 2015. Today - addressed to me arrived, claiming I owed a balance of $7100.00. Contact with the company revealed that they had no documentation supporting their supposed " deed loan ''. My review of the closing documents failed to reveal any disclosure of such a loan. I have no intention of paying this loan and am concerned that my credit record will be affected negatively. ...

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Universal American Mortgage Company, LLC Mortgage loan servicing, payments, escrow account

December 22, 2015 - I am having major issues with Universal American Mortgage Company. I have been through several closings including - after major reform to mortgage lending. I have never had a worse experience than with Universal American Mortgage Company. During the underwriting process, I was initially sent a secure website link to submit documentation that contained sensitive information. Throughout the process the link would expire which prompted me to repeatedly ask the underwriters to send the link. The head underwriter did not know what I was referring to so I had to contact the bank manager and/or an...

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Universal American Mortgage Company, LLC Mortgage credit decision / underwriting

October 23, 2015 - Our mortgage lender qualified us for a 5/1 ARM VA Jumbo 100 % financing loan at 3.125 % interest for $590000.00. On -/-/2015 we opened up escrow on a home. 12 days before our close date ( -/-/15 ) our mortgage lender contacted us via telephone to inform us that we have been approved for our loan ; however not the initial 5/1 ARM VA Jumbo loan- unless we were to put 25 % down of the difference from $410000.00 and our purchase price. Our lender stated that we are able to receive a fix rate 30 year mortgage at the interest rate of 3.875 % without any lender credit or an interest r...

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Universal American Mortgage Company, LLC Mortgage application, originator, mortgage broker

September 28, 2015 - I was approved by Universal American Mortgage Company ( UAMC ) for a jumbo mortgage at 4 %. I was provided a cash to close summary and a good faith estimate. Without notice and just 23 days prior to closing I was told that my rate was 4.5 % yet rates had not changed in the marketplace. Facing being homeless, I locked in at this rate and was provided a new cash to close summary and good faith estimate to cover UAMC 's tracks. I was told the reason for the change was due to a drop in my credit score and some reference to a non-existent business loss. While there was a drop in my credit score fro...

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Universal American Mortgage Company, LLC Mortgage settlement process and costs

September 28, 2015 - The Builder and I agreed to the purchase price of $420000.00 and the builder offered to give a - % incentive and Title fees ( Approx. $12000.00 ) towards the closing cost and title fees provided, I finance through their in-house lender, Universal American Mortgage Company. The Good faith estimate showed the $12000.00 credit but the interest rate charged was 4.25 %, whereas based on my credit score of -, I am eligible for interest rate of 3.75 %. The lender structured the loan by rolling the closing cost and title fee and increasing the interest rate by 0.50 %. ( Which is exactly eq...

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Universal American Mortgage Company, LLC Mortgage settlement process and costs

September 24, 2015 - I purchased a home from - in 2006, and Universal American Mortgage - handled the mortgage. I recently became aware that the second mortgage principle balance was not being reduced much, and that the mortgage was structured as a balloon ''. The second mortgage is a 15 year loan, so I thought that after 9 years worth of payments ( 60 % thru the loan period ) that my outstanding balance would be approximately 40 % of the original loan amount - $72000.00 -. Unfortunately, my balance is $ - - 93 % of original loan amount ). We were able to refinance the primary mortgage under H...

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Universal American Mortgage Company, LLC Mortgage loan servicing, payments, escrow account

July 28, 2015 - On - -, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on - -, 2015 I called the company and asked for payoff information to payoff the mortgage on -/-/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advisi...

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Universal American Mortgage Company, LLC Mortgage application, originator, mortgage broker

July 8, 2015 - During mortgage application period with Universal American Mortgage Company ( UAMC ), i constantly instructed my loan officer to lock in my interest rate. he always refused, had an excuse on why he could not lock it. at one point even said he could not lock it because the market was so bad it was shut down. eventually time passed and interest rate rose. 2 weeks from closing or less he eventually locked me in at - i should have been locked in at - a month before that considering my credit score is - additionally original documents showed origination fee of $6000.00 total. at closing ...

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Universal American Mortgage Company, LLC Mortgage application, originator, mortgage broker

June 26, 2015 - With our move to California we purchased a new home using the mortgage arm of the builder Universal Home Mortgage. Before we signed a contract with the builder we made sure everyone knew our closing expectations. We had a tight deadline to be out of corporate housing and it was communicated to all parties engaged. While our loan was not a standard vanilla file, most of the documentation had to be sent - or - times. In many cases I would forward the prior emails attaching the documentation needed. When it came down to closing they still hand not heard from the investor so they proceeded w...

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