The mortgage you want, structured with experience.
Ehtasham (EJ) Ejaz has worked in mortgage lending since 2001. He builds smart loan solutions, leads with integrity, and guides families through one of life’s biggest financial decisions.
Find the loan that fits your plan
Nine programs for buyers, homeowners, investors and retirees. Each page explains who the loan is for and what you need to qualify.
Conventional Loans
Fixed or adjustable rates for strong-credit borrowers.
Learn more →FHA Loans
Government-backed, with a low down payment.
Learn more →VA Loans
Home financing for eligible service members and veterans.
Learn more →Non-QM Loans
Alternative financing for non-traditional borrowers.
Learn more →Jumbo Loans
Financing above conforming loan limits.
Learn more →Foreign National Loans
U.S. property financing for non-U.S. residents.
Learn more →USDA Loans
Zero-down financing for eligible rural areas.
Learn more →Commercial Loans
Financing for investment and business properties.
Learn more →Reverse Mortgage Loans
Turn home equity into retirement income.
Learn more →Here’s what you can expect
Easy application or a pleasant call
We learn your requirements and ask about your finances and credit.
Loan advice from experts
While reviewing your situation, we explore which loan options suit you.
Help with approval
We help you get pre-approved and lock in a low interest rate.
Guidance at each stage
Stay updated on your progress, with a loan officer available for your questions.
Experience. Leadership. Passion for Mortgage.
After building and selling his own mortgage company, EJ worked with Fortune 100 companies and major federal agencies. His passion stayed with lending, and with helping families reach homeownership.
Licensed across eight jurisdictions
Outside these states? Reach out and we will connect you with a dependable partner from United 1 Mortgage.
Find the perfect loan solution with us.
Register through our secure online application and get your pre-approval or rate quote faster.