Residential Loans
Government Loans
Non-QM Solutions
Private Capital
Commercial Financing
Broker / Partner Program
United American Financial, LLC
Strategic Capital Solutions for Complex Scenarios
We bridge the gap between traditional lending and institutional-grade capital. Our approach is defined by strategic precision and a deep understanding of the financial landscape. We don't just find loans; we structure the optimal path for your unique profile.
Our Strategic Programs
A curated portfolio of lending and capital solutions for residential, government-backed, non-traditional, and strategically structured financing needs.
Residential Loans
Traditional and non-traditional residential financing for high-value properties and more complex borrower profiles.
Government Loans
FHA, VA, and USDA financing paths structured to maximize borrower opportunity and program fit.
Non-QM Solutions
Alternative income and more flexible financing options for borrowers who do not fit conventional guidelines.
Private Capital
Bespoke capital solutions for residential and commercial opportunities where speed and structure matter.
Structured Finance
Institutional-style financing structures for larger projects, specialized assets, and more complex scenarios.
Broker / Partner Program
A broker-friendly platform for serious deal flow, strategic collaboration, and tailored capital solutions.
Illustrative program highlights only. Terms vary by borrower profile, asset, transaction type, underwriting, due diligence, and program availability. This is not a commitment to lend. Private capital and business-purpose financing may not be subject to the same consumer protections as residential mortgage loans
Strategic Non-QM Solutions
If the bank said no, you may still have options.
• DSCR financing for investor and income-producing properties
• Bank statement and P&L-based qualification paths
• 1099 and alternative income documentation options
• Foreign national and asset-based lending structures
• Asset utilization and depletion strategies
• Interest-only options where available
Capital Solutions
Featured Private Capital
We bridge the gap between institutional liquidity and complex financial scenarios, providing architectural precision for the sophisticated borrower.
Residential Private Capital
10.99%
Starting Rates
• Up to 75% LTV
• Minimum $200,000
• Maximum $2,000,000
Commercial Private Capital
10.99%
Starting Rates
• Up to 70% LTV
• Minimum $500,000
• Maximum $5,000,000
Structured / Project-Based Opportunities
Bespoke
Institutional Grade
Deep-tier capital stacking for high-volume development, complex bridge-to-permanent equity, and niche horizontal infrastructure initiatives requiring architectural underwriting precision.
Illustrative program highlights only. Terms vary based on borrower profile, asset, transaction type, underwriting, due diligence, and program availability. This is not a commitment to lend. Private capital / business-purpose financing may not be subject to the same consumer protections as residential mortgage loans.
The Strategic Path to Financing
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Share Your Scenario
Review Available Paths
Structure Optimal Fit
Guide to Closing
We begin with a comprehensive review of your unique financial profile and institutional-grade capital requirements.
Our experts analyze market-driven paths and government loan opportunities to identify viable financing channels.
We structure the optimal solution, meticulously balancing rates and structural terms with your project goals.
From final underwriting to a seamless closing, we guide every stage with architectural precision and transparency.
A More Strategic Approach to Financing
For scenarios that require more than a standard lending conversation, our role is to evaluate structure, timing, and fit with greater precision.
Clarity
We help define the most viable path before time and energy are spent in the wrong direction.
Structure
We evaluate traditional, non-traditional, and capital-based options with a more strategic lens.
Execution
From review to closing, we help guide the process with discipline, responsiveness, and oversight.
A Broker-Partner Programs for Serious Deals
We bridge the gap between complex financial needs and institutional capital. Our strategic approach ensures that sophisticated borrowers and professional partners receive the tailored solutions their unique scenarios require.
Strategic Partnerships
We work closely with institutional lenders to structure bespoke financing paths that align with your long-term growth objectives.
Complex Scenario Solutions
From Non-QM alternatives to Private Capital, we navigate the intricacies of structured and project finance with architectural precision.
Broker Compensation
Our referral structures are designed to be transparent, competitive, and fully compliant with all applicable transaction regulations.