Make Your Mortgage Decision With Confidence

Feeling overwhelmed by home loans? Our free webinar, “How to Choose the Right Mortgage,” provides the clarity you need before making one of life's biggest financial decisions.

Happy couple celebrating inside their new home with a mortgage document in hand — Happy couple celebrating home ownership after a successful mortgage process.

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Trusted by thousands of future homeowners nationwide.

15,000+ Families Helped

Navigate Homeownership

99% Client Satisfaction

Based on post-closing surveys

Certified Mortgage Experts

Dedicated to Your Success

What You'll Learn in Our Free Webinar

Discover which mortgage option truly fits your long-term financial goals and lifestyle.
Learn exactly what crucial details to pay attention to before signing any contract.
Avoid the Top 5 most common and costly mistakes people make when choosing a mortgage.
Gain the confidence to negotiate terms effectively and potentially save thousands over the life of your loan.

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Mortgage Solutions for Every Path to Homeownership

First-Time Homebuyers

We demystify the entire process with step-by-step guidance from pre-approval to closing.

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Conventional & Refinance

Explore stable, competitive rates for your next move or to optimize your current mortgage.

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VA & Government Loans

Specialized support for veterans, active military, and eligible families with exclusive benefits.

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Self-Employed & Freelancers

Flexible options designed for non-traditional income earners. We understand your unique situation.

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Renovation & Improvement

Finance your dream home and its essential upgrades all in one convenient loan package.

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Second Home & Vacation

Turn your dream getaway into a reality with our flexible financing options for a second property.

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Get a Quick Mortgage Estimate

Home Price ($)

$300,000

Down Payment (%)

20%

Loan Term (Years)

30 Years

Estimated Monthly Payment (P&I)

$1,200

This is an estimate for educational purposes only and does not include taxes, insurance, or HOA fees. For a precise, personalized quote, contact an advisor.

Speak with an Advisor

Hear From Homeowners We've Helped

Your Simple Path to the Right Mortgage

Get Educated

Join our free webinar or explore our comprehensive guides to fully understand all your mortgage options.

Personalized Consultation

Connect with a dedicated Unik Filen advisor to discuss your unique goals and personal situation.

Streamlined Application

We'll help you gather all necessary documents and submit your application with unexpected ease.

Close with Confidence

Move into your new home knowing you've made the perfect financial choice for your future.

Diverse couple empathetically discussing documents with a financial advisor in a bright, modern office — A couple receiving compassionate financial guidance during a significant life transition.

Navigating Life's Changes? We Can Help.

Whether you're navigating a divorce, a new career path, or other major life transitions, securing stable housing is a critical step. Our Certified Divorce Lending Experts provide compassionate, confidential guidance to help you find financial clarity and a path forward, ensuring your homeownership dreams remain within reach.

Learn About Life Change Solutions

Your Partners in Home Financing

At Unik Filen, our mission is simple: to simplify home financing and empower you to build your future. We're not just lenders; we're educators, trusted advisors, and dedicated partners committed to your success in achieving homeownership goals. Our team brings decades of experience and a client-first approach to every interaction.

Meet Our Experts

Professional and friendly diverse team of Unik Filen mortgage advisors smiling in a modern office — The friendly and professional Unik Filen team.

Frequently Asked Questions

How much do I need for a down payment?

The required down payment varies significantly! Some government-backed loans like VA or USDA require 0% down, making homeownership more accessible. Conventional loans often start at 3-5% down. We'll help you explore all options and find the best fit for your financial situation.

Can I get a mortgage if I'm self-employed?

Absolutely! Being self-employed or a freelancer does not exclude you from getting a mortgage. We specialize in mortgages designed for non-traditional income earners, utilizing alternative income verification methods like bank statements. Our experts understand the nuances of self-employment income.

Is the webinar really free?

Yes, 100% free with no hidden fees or obligations! Our primary goal is to provide valuable, unbiased education to empower you to make an informed decision about your mortgage. We believe in helping you independently navigate the landscape before you commit.

How long does the mortgage process typically take?

While the national average is generally 30-45 days from application to closing, our streamlined process and dedicated advisors can often accelerate this timeline. We will set clear, transparent expectations right from the start, keeping you informed at every stage.

Ready to Find Your Perfect Mortgage?

Take the first step towards your new home today. Reserve your spot in our highly-rated free webinar, or connect directly with one of our friendly and knowledgeable mortgage advisors for personalized guidance.

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