Licensing & Legal Disclosure

Licensing Disclosure

United American Financial, LLC is licensed in the State of Florida as a Mortgage Broker Business under Chapter 494, Florida Statutes.

 

Company Legal Name:  UNITED AMERICAN FINANCIAL, LLC

DBA:  UA Financial

NMLS Company ID:  #2534103

Individual MLO NMLS ID:  #2169492

Licensed State:  Florida

Florida License Type:  Mortgage Broker Business / Mortgage Loan Originator

Florida Regulatory Authority:  Florida Office of Financial Regulation (OFR), Division of Consumer Finance

 

You may verify the license status of this company and its principals at any time through the NMLS Consumer Access portal at www.nmlsconsumeraccess.org.

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NMLS Consumer Access

UA Financial participates in the Nationwide Mortgage Licensing System and Registry (NMLS). Information about our licenses and the licenses of our individual mortgage loan originators may be accessed through NMLS Consumer Access, a free public service, at: www.nmlsconsumeraccess.org

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Compensation Disclosure

As a mortgage broker, UA Financial receives compensation in connection with mortgage transactions, which may include origination fees, broker fees, lender-paid compensation, and other charges as disclosed in applicable loan disclosures. You will receive specific disclosure of all fees and compensation applicable to your transaction at the appropriate stage of the loan process, as required by applicable law including the Truth in Lending Act (TILA) and RESPA.

UA Financial pays compensation to licensed and registered Mortgage Loan Originators (MLOs) employed or engaged by the company, in accordance with applicable federal and state law. Compensation is not shared with unlicensed parties in connection with mortgage referrals.

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No Legal, Tax, or Financial Advice

The information provided on this website and in any communications from UA Financial is intended solely for general informational purposes and does not constitute legal, tax, financial, investment, or accounting advice. UA Financial is not a law firm, accounting firm, or financial advisory firm. You should consult with qualified legal, tax, and financial professionals before making any decision in connection with a mortgage transaction or real estate purchase.

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Content Accuracy

While UA Financial makes reasonable efforts to ensure the accuracy of information published on this website, we make no representations or warranties, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of any information, product, or service described. Information may become outdated without notice, and users should independently verify any information before relying on it. 

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Affiliated Business Arrangement Disclosure

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Nature of the Affiliation

United American Financial, LLC (UA Financial) and X Realty Partners LLC are affiliated companies under common ownership. The owner and managing principal of UA Financial also holds an ownership interest in X Realty Partners LLC, a Florida-licensed real estate brokerage.

Because of this relationship, UA Financial may, from time to time, refer clients who are seeking to purchase, sell, or invest in real property to X Realty Partners LLC for real estate brokerage services. Similarly, X Realty Partners LLC may refer clients seeking mortgage financing to UA Financial.

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Nature of the Financial Benefit

By referring business between these two companies, the common owner may benefit financially from business generated through such referrals. The existence of this affiliation and the potential financial benefit is a material fact that federal law requires us to disclose to you before any referral is made.

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Your Rights

You are under no obligation whatsoever to use the services of X Realty Partners LLC because you have applied for or received mortgage services from UA Financial, or vice versa. You are free to shop for and select any qualified real estate agent, mortgage broker, or other settlement service provider of your choosing.

Your decision to use or not use an affiliated provider will not affect the quality of service, availability of loan products, or terms offered to you by UA Financial.

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Contact Information

UA Financial:  3301 Ponce de Leon Blvd, Suite 210, Coral Gables, FL 33134  |  305-833-4254

X Realty Partners LLC:  3301 Ponce de Leon Blvd, Suite 210, Coral Gables, FL 33134  |  305-833-4254

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NOTICE REQUIRED BY FEDERAL LAW: This disclosure is provided to you pursuant to Section 8(c)(4) of the Real Estate Settlement Procedures Act (RESPA) and its implementing regulation, Regulation X (12 C.F.R. Part 1024). You are NOT required to use any affiliated provider. Your choice of service provider will not affect your ability to obtain a mortgage through UA Financial.

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Cookies Notice

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What Are Cookies

Cookies are small text files placed on your device when you visit a website. They allow the website to recognize your device, remember your preferences, and collect information about how you interact with the site. This website also uses similar tracking technologies including web beacons, pixels, and scripts.

How We Use Cookies and Tracking Technologies

This website uses the following categories of cookies and tracking technologies:

 

1. Strictly Necessary Cookies

These cookies are essential for the website to function properly. They enable core features such as page navigation, form submission, security, and access to secure areas of the site. This website cannot function properly without these cookies and they cannot be disabled.

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2. Analytics and Performance Cookies

We use Google Analytics and Google Tag Manager to collect information about how visitors use this website, including which pages are visited most frequently, how long users stay on the site, and how they arrived. This information is aggregated and used to improve the performance and usability of the website. Google Analytics may set cookies and collect your IP address and behavioral data subject to Google's privacy policy.

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3. Advertising and Retargeting Pixels

This website uses advertising and retargeting technologies from the following platforms:

• Meta (Facebook) Pixel — tracks visitor actions on this website to enable targeted advertising on Facebook and Instagram, and to measure the effectiveness of our advertising campaigns.

• Google Ads — tracks conversions and enables remarketing to users who have previously visited this website through Google's advertising network.

• LinkedIn Insight Tag — enables campaign tracking and audience analytics for advertising on LinkedIn.

• TikTok Pixel — enables campaign measurement and retargeting through TikTok's advertising platform.

These technologies may collect your IP address, device information, and behavioral data about your activity on this website and link it to your profiles on the respective platforms. Each platform's data practices are governed by its own privacy policy.

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4. Functional Cookies

These cookies enable enhanced functionality on the website, including scheduling tools, live chat features, form processing, and booking capabilities. Without these cookies, some features of the website may not function properly.

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5. Platform and Hosting Cookies

This website is hosted on the Wix platform. Wix may set cookies for security, performance, and operational purposes as part of its hosting infrastructure. These cookies are subject to Wix's privacy policy.

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Third-Party Cookies

Some cookies on this website are set by third-party services that appear on our pages. We do not control the operation of these third-party cookies. Please refer to the privacy policies of the respective third parties for information about how they use and manage data collected through their cookies.

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Managing Cookies

Most web browsers allow you to control cookies through their settings. You can typically set your browser to refuse cookies, delete existing cookies, or alert you when new cookies are placed. Please note that disabling certain cookies may affect the functionality of this website and your ability to use certain features.

You may also opt out of interest-based advertising by visiting:

• Google: https://adssettings.google.com

• Meta/Facebook: https://www.facebook.com/settings/?tab=ads

• LinkedIn: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out

• Digital Advertising Alliance: https://optout.aboutads.info

Please be aware that opting out of interest-based advertising does not mean you will no longer see advertisements; it means that the ads you see may be less relevant to your interests.

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Do Not Track

Some browsers transmit a "Do Not Track" signal to websites. At this time, there is no universally agreed-upon standard for how websites should respond to such signals. This website does not currently alter its data collection practices in response to Do Not Track signals, but we continue to monitor developments in this area.

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Updates to This Notice

We may update this Cookie Notice from time to time to reflect changes in our use of cookies or applicable law. We encourage you to review this notice periodically. The effective date at the top of this page will indicate when it was last updated.

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Contact

For questions about our use of cookies, please contact us at info@uafins.com.

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SMS / Mobile Messaging Terms

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Overview

United American Financial, LLC (UA Financial) may communicate with you by SMS text message and through WhatsApp for purposes related to mortgage inquiries, application updates, appointment reminders, follow-up communications, and marketing. By providing your mobile phone number and opting in to receive text messages, you consent to receive such communications in accordance with these SMS / Mobile Messaging Terms.

These terms apply to all text message and mobile messaging communications sent by or on behalf of UA Financial.

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Consent and Opt-In

By submitting your mobile phone number through any contact form, inquiry form, application portal, or scheduling tool on this website, and by checking the applicable consent box where provided, you expressly consent to receive SMS text messages from UA Financial. Consent to receive text messages is not a condition of obtaining any product or service from UA Financial.

UA Financial may use a third-party messaging platform or SMS aggregator to send and manage text communications. The identity of such provider may change from time to time.

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Types of Messages

UA Financial may send the following types of text messages:

• Transactional / Informational: appointment confirmations and reminders, application status updates, document request notifications, follow-up communications regarding your loan file, and important notices related to your transaction.

• Marketing: information about mortgage products, programs, rates, company news, and promotional content.

If you consent to receive marketing messages, such consent is separate from consent to receive transactional communications and can be withdrawn independently at any time.

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Message Frequency

Message frequency may vary based on the nature of your inquiry and the status of your transaction. UA Financial does not commit to a fixed number of messages per month. You may receive more messages during active periods of your loan file and fewer during periods of inactivity.

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Message and Data Rates

Standard message and data rates may apply to text messages you send and receive in connection with UA Financial communications. These charges are determined by your wireless carrier and service plan. UA Financial is not responsible for any charges you incur from your carrier in connection with text message communications.

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How to Opt Out

You may opt out of receiving text messages from UA Financial at any time by replying STOP to any message you receive from us. After opting out, you will receive a single confirmatory text message, and no further marketing messages will be sent to your number. You may continue to receive transactional messages related to any active loan application until the transaction is complete or you separately withdraw consent.

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To opt out of all text message communications, including transactional messages, please contact us directly at info@uafins.com or 305-833-4254.

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Help

If you need assistance or have questions about our text messaging program, reply HELP to any message from UA Financial or contact us at info@uafins.com or 305-833-4254.

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WhatsApp Communications

UA Financial may also communicate with clients and prospects via WhatsApp. WhatsApp communications are subject to WhatsApp's Terms of Service and Privacy Policy in addition to UA Financial's Privacy Policy. By initiating or responding to a WhatsApp conversation with UA Financial, you consent to receive communications through that channel. The same opt-out rights described above apply to WhatsApp communications.

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Supported Carriers

UA Financial's text messaging program is available through most major U.S. wireless carriers. Carrier support may vary. UA Financial is not liable for delayed or undelivered messages due to carrier disruptions or network issues.

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Privacy

Information you provide through SMS or WhatsApp communications is subject to UA Financial's Privacy Policy. UA Financial will not share your mobile number with third parties for their own marketing purposes without your express consent.

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Contact

For questions about these SMS / Mobile Messaging Terms, please contact us at:

UNITED AMERICAN FINANCIAL, LLC (DBA UA Financial)

3301 Ponce de Leon Blvd, Suite 210, Coral Gables, FL 33134

Email: info@uafins.com  |  Phone: 305-833-4254 

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Website Accessibility Statement

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Our Commitment

United American Financial, LLC (UA Financial) is committed to making its website accessible to the broadest possible audience, including individuals with disabilities. We believe that access to financial information and mortgage services should be available to everyone, and we are actively working to improve the accessibility of this website over time.

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Standards We Work Toward

UA Financial works toward conformance with the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, as published by the World Wide Web Consortium (W3C). These guidelines describe how to make web content more accessible to people with visual, auditory, cognitive, motor, and other impairments. While we strive to meet these standards, we do not represent that this website is fully compliant at this time. Accessibility improvements are an ongoing effort.

This website is hosted on the Wix platform, which incorporates built-in accessibility features and tools. We continue to work within the frameworks available to us to address accessibility across all pages.

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Known Limitations

Some areas of this website may not yet fully meet WCAG 2.1 Level AA standards, including certain third-party embedded tools, interactive elements, and dynamically generated content. We are actively working to identify and address these limitations as they are brought to our attention.

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Accessibility Features

This website incorporates the following accessibility considerations:

• Semantic HTML structure for screen reader compatibility

• Text alternatives where applicable for non-text content

• Color contrast ratios intended to support readability

• Keyboard navigation support for primary site functions

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Alternative Access

If you are unable to access any portion of this website due to a disability, or if you require information in an alternative format, please contact us directly. We are happy to provide information, documents, or assistance through an accessible alternative channel.

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Feedback and Accessibility Requests

We welcome feedback about the accessibility of our website. If you encounter any barriers or have suggestions for improvement, please contact us at:

UNITED AMERICAN FINANCIAL, LLC (DBA UA Financial)

3301 Ponce de Leon Blvd, Suite 210, Coral Gables, FL 33134

Email: info@uafins.com  |  Phone: 305-833-4254

We aim to respond to accessibility inquiries within five (5) business days.

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Equal Housing Opportunity Lender

 

United American Financial, LLC is committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate against any person in the provision of mortgage services on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), familial status, disability, sexual orientation, gender identity, source of income, or any other characteristic protected by applicable federal, state, or local law.

 

© 2026 United American Financial, LLC. All rights reserved. | NMLS #2534103 | Equal Housing Opportunity

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Get In Touch

We welcome the opportunity to speak with you about your mortgage needs. Whether you are purchasing your first home, refinancing an existing property, or exploring non-conventional financing options, our team is available to provide guidance tailored to your situation.

 

Office Location

United American Financial, LLC (UA Financial)

3301 Ponce de Leon Blvd, Suite 210

Coral Gables, FL 33134

 

Phone & WhatsApp

305-833-4254

WhatsApp inquiries are welcome at the same number.

 

Email

info@uafins.com

 

Office Hours

Monday through Friday, 10:00 AM – 5:00 PM Eastern Time

Appointments outside of regular business hours are available upon request.

 

NMLS Information

Company NMLS #2534103  ·  Individual MLO NMLS #2169492

Verify licenses at www.nmlsconsumeraccess.org

 

Connect With Us

UA Financial maintains an official presence on major social media platforms. Follow us for mortgage insights, market updates, industry news, and company announcements.

 

• Instagram

• Facebook

• LinkedIn

• YouTube

 

UA Financial may also maintain a presence on additional platforms as our digital reach expands. Any official UA Financial account will identify the company by its legal name or DBA and will reference this website. We are not responsible for content posted by unofficial, fan-created, or third-party accounts that may reference our name, brand, or likeness.

 

Social media communications are not intended to constitute mortgage advice, pre-approval, or loan commitment. For mortgage inquiries, please contact us directly through the channels listed above or submit an inquiry through this website.

Mortgage loan inquiries and applications should not be submitted through social media direct messages. Please use our secure contact form, email, or phone for all mortgage-related communications.

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