You'll see the numbers in writing
Payment, cash to close and the rate options, before you write an offer. Updated in writing whenever something changes.
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About
A Cincinnati mortgage team that answers its own phone
UMCincy is a boutique lending team in Hyde Park. Bearcat Mortgage is how we serve the UC community we came from.
Our story
Built to be small on purpose
Breon Price started in mortgage lending as a UC senior and spent the next decade learning what big lenders get wrong: too many hand-offs, too little explanation, and nobody who owns the outcome.
UMCincy is the answer to that. A small team where the loan officer you meet is the loan officer who closes your loan, and where you can text a real person at 8 p.m. the night before your inspection.
We lend through Swift Home Loans, which gives a small team access to a wide product shelf. That lets us structure the files that don't fit a template: self-employed borrowers, rate buydowns, bridge loans for move-up buyers, one-time-close construction and DSCR loans for investors.
Today, UMCincy is the Preferred and Exclusive Mortgage Lender for University of Cincinnati Football and Baseball. Read about the partnership.
How we lend
Four promises we can actually keep
We'll tell you when to wait
If waiting six months to pay down a card or season a deposit gets you a better loan, we'll say so.
Your agent stays in the loop
Status updates at every milestone, so nobody is chasing anybody the week of closing.
One loan officer, start to finish
Breon is on every file. Taylor handles processing from application to closing.
Where we lend
Rooted in Cincinnati
Most of our clients buy in Hamilton, Butler, Warren and Clermont counties and across Northern Kentucky. We also help clients in Dayton, Columbus, Tennessee and Florida, including second homes and investment properties.
Loans are made by Swift Home Loans, Inc. in states where it is licensed. See state licensing or verify any license at NMLS Consumer Access.
Ready to take the next step toward homeownership?
Talk with a loan officer who will show you real numbers on your situation. No pressure, no cost to ask.