Home Purchases

When we began the process of financing our first home purchase, the team at UMAX was very helpful, laying out all the steps necessary and potential pitfalls along the way. After shopping around a bit, it turned out UMAX was offering us the best rate. Through the whole process of getting the mortgage approved, they were helpful and supportive. When we hit a bump in our application process a few days before Christmas, they made sure we were able to reorient and still buy the home we had our hearts on, without losing time and having to push our closing. After we bought our house, they stayed in touch, and have kept us apprised of opportunities to improve our rate. All in all, the UMAX team made a very complicated and nerve-wracking process relatively simple.


The UMAX team helped us get into our home in San Francisco in 2004, and with each subsequent refinance (starting 3 months later to the most recent in September 2015), have continually improved the quality of the financial product that is our mortgage – and it was phenomenal to begin with in comparison to other products on the market.  We comparison shopped with large banks for each refinance, and the answer was always the same: they couldn’t beat the terms Scott was able to get us.

They were also always willing to take the time to answer questions personally – and on a wide range of financial topics.  They are fantastic broker, and we highly recommend them.


We had a difficult transaction that was going nowhere for literally 6months.  But, the moment our offer was accepted, Our loan officer kicked it into high gear and had everything squared away in no time at all.  They were organized, accurate, and explained everything. Wouldn’t hesitate to use them again.


You and your team were easy to communicate with. I appreciate that you were quick to respond to emails when we asked questions etc, and you gave us updates promptly when they were available. You also got us a pre-approval letter after-hours when we decided to write last minute, late in the evening. Your support helped us to secure the house in a competitive market.


Scott and Laura were very helpful throughout the process and answered all our questions. I’d highly recommend them to anyone else in the market!


Home Refinance

UMAX has been a great brokerage for us over the years. They are consummate professionals, always there to answer any of our questions in a straightforward manner. They have extensive experience in the business and we’ve never had one single problem in any of the refi work we’ve completed with them. Perhaps most importantly, the team at UMAX have a hawk-eye for consistently spotting the best rates that are tailor-made for our financial situation and risk tolerance and locking them in. We could not be happier with the service provided us.

Scott W

This is the 2nd time I’ve gone through UMAX Mortgage. The first time was during the house purchase and this time was for my re-fi. They are very organized and get back to my questions very quickly (same day).  During the purchase, I got the lowest rate compared to all others I contacted and my loan officer stayed on top of all my paperwork. To this day, I’m very grateful for all this work because a first house purchase can become overwhelming and it definitely helps to have diligent people on your side.

For the re-fi, UMAX quoted the lowest rate without points/fees, the next lower rate with the points/fees, as well as the different choices for a 15 and 30 year fixed. They gave me all the information I needed, which allowed me to make the best decision for my situation. Needless to say, my re-fi went through without a hitch and I am enjoying my unbelievably low rate!

I definitely recommend the UMAX Mortgage team!


We’ve used UMAX for all of our refi needs over the past 8 years. They are very thorough and always on the lookout for a lower rate for us. Over the past two years they have helped us lower our rate significantly, generating incredible savings.

It is great to work with people that makes the refi process easy and are always there to answer our questions.


We have worked with UMAX for over the last 15 plus years and they are always on top of when we should refinance, making it as painless as possible, which is not easy these days with all the new regulatory requirements.


Six months after the initial purchase of our home with Scott as our mortgage broker, he got in touch to say that rates had gone down yet again and that it would be possible to save a pretty significant amount of money per month by doing a no-cost refinance on our loan. We dawdled a bit, not wanting to commit to another long process, but Scott was very understanding about our hesitancy and made sure we understood the whole process. Everything went very smoothly with the refinance, so it all worked out in the end. The refi was significantly easier than the initial mortgage to get, and other than the appraisal, it really was a completely no-cost refinance.


Scott and his team were engaged, attentive and professional throughout the refinance process. We had a circumstance that required significant coordination between multiple banks and the UMAX team guided us with confidence and transparency. We would highly recommend Scott Roseveare and UMAX to friends and family without pause.


Reverse Mortgages

The people at UMAX Mortgage recently completed our complex mortgage. They were always pleasant and effective. Even when they hit a snag (an unexpected lien by a previous owner, now deceased and without a will), they took care of everything calmly and professionally with minimum involvement of my wife and me. Their time estimates were quite accurate and everything was done much as they predicted.

The distance between their Northern California location and ours in Southern California was never an issue. We were able to handle some of the document transmission by email (attachments) and the remainder by U.S. mail and FedEx.

If we do another real estate transaction in the future, we will certainly seek UMAX to handle the mortgage. The experience was as pleasant as a mortgage transaction can be.

Robert W, Santa Monica, California

Just wanted to say “thank you” for helping me decide to go with UMAX Mortgage for my reverse mortgage. It has helped me pay off some debt that otherwise would have taken years to do and also gives me breathing room each month without a mortgage to pay!

You were so kind and easy to work with. I really appreciate all the help you gave me.

Thanks again

Dodie S

Find Out About Our Zero Closing Cost Loan Program

Calculate Mortgage Payments


2000 Broadway St.
Redwood City, CA 94063

5170 Golden Foothills Pkwy
El Dorado Hills, CA 95762

2173 Salk Avenue Suite 250
Carlsbad, CA 92008


Equal Housing Lender

CA Bur of Real Estate - Real Estate Broker - Broker#01514348. 

NMLS#: 780963

These materials are not from HUD or FHA and were not approved by HUD or a government agency. 

Any rates quoted are not guaranteed and are subject to market fluctuations.

Privacy Policy