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Michael Kolasa (Universal Mortgage) Mortgage and Lending

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Michael Kolasa
location_on Brooklyn Park, MN — Universal Mortgage
Get to Know Michael Kolasa

We're currently in the process of getting our fourth branch up and running. Currently, we are almost finished setting up this fourth branch, to progessively push towards starting a fifth. UNIVERSAL MORTGAGE, INC. is a privately owned broker with access to many different loan programs. At UNIVERSAL MORTGAGE, we are dedicated to providing you with superior service. Our goal is to make sure you understand the loan process so that you are comfortable with every step... and we work efficiently to get your loan closed quickly. Are you tired of only being able to make the minimum monthly payment on credit cards, student loans or other debts you have? Do you feel like you may never get these debts paid off? With a debt consolidation loan through UMI not only can you pay off these debts but you may also be able to lower your overall montly payment, increase your tax deductions and put yourself one step closer to finacial freedom! Have you been putting off necessary home improvements because you can't afford them? Have you been dreaming of an addition to your home but think it isn't in your budget? With a Home Improvement loan through UMI you can draw equity out of your home to do these improvements and at the same time actually ADD equity to your home! Have you been trying to purchase a home but find that no one will take you seriously with out a pre-approval? At UMI we have many flexible purchase programs including conventional loans and No Money Down loans that will fit just right with you. A quick phone call to UMI can put you closer to your dream home. Have you found that it's difficult to get the loan you want becuase you are self employed? At UMI we have access to many different loan programs geared specifically for the self employed borrower. We know how difficult it can be to get approved because you are self emloyed. Our loan officers can find the best program that will fit your need.Are you looking to get cash out for a family trip? a wedding? a new car? a new boat? Whatever your need is we have programs that will fit perfectly for your needs!

Privacy Statement

Universal Mortgage, Inc. is committed to honoring the privacy of visitors of our company and net branch websites. It is our priority to provide you, our customer, with outstanding products and services. To achieve this goal, we must collect, store, maintain, and occasionally use certain personal and financial information. Such information includes date about you or your company, as well as the users of your web site(s), and this statement is directed at those sources. We recognize and respect your privacy concerns and expectations about this information and as such we want you to know about our privacy policies and security practices.

Disclosure of Information

We do not sell or otherwise provide information to third parties about you and/or your company, unless you specifically request us to do so. If you order services that are provided by third parties (e.g. credit reports, appraisals, etc.) we will pass information required to fulfill the order to the vendor that you have chosen. In addition, certain Universal Mortgage, Inc. products are hosted by third parties. In this case, we will need to share basic information about your company to be able to provide this service.

Consumer Data

Universal Mortgage, Inc. obtains consumer data when consumers visit our web site, apply online or complete other online transactions. In addition, we obtain consumer data when you upload or input consumer information to order settlement services or perform other transactions. Universal Mortgage, Inc. will not sell or otherwise provide information to third parties for their independent use without your expressed permission. When you use Universal Mortgage, Inc. to order services (credit reports, appraisals, etc.) we will need to pass consumer data to those providers to fulfill the transaction. While we take every effort to ensure that those vendors protect your privacy and your consumers privacy, we make no representation or warranty regarding the services provided by these vendors. The vendor may need to collect and maintain personal information and they may have additional terms of use (including their own privacy and security policies), which you should read to fully understand how your personal information will be used by third parties that are partnered or affiliated with our Company.

Data Security

A major priority of our Company is to provide security for the information attained by us from our clients and consumers. We employ industry recognized security safeguards to protect personally identifiable information that you or your clients have provided to us from loss, misuse and unauthorized alteration. We work to protect personally identifiable information stored on our web servers from unauthorized access using commercially available computer security products, such as alarm systems, and keycards, as well as other security procedures and practices. This includes web servers that are stored at our company headquarters and data centers.

Security Measures

We utilize firewalls to safeguard our web servers and company network systems. This allows us to protect and monitor these resources. We also enable virtual private networks to restrict access of certain transactions to authorized customers or third party companies where possible and practical. We do not design, develop, or deploy cookies for the storage of your personally identifiable information. We do, however use cookies to store information to help manage the use and security of our system.

Questions regarding our Privacy Policy

If you have any questions about the terms of our Privacy Policy, please contact us at info@umi4money.com

Certifications
Commitment You Can Count On

We are no novice to the real estate and mortgage lending industry. Combined we have been intimately involved in it for the past 15 years. Our clients have commented that, "Our combined experience gives us a great perspective on the entire home buying process."

Putting Customers First

We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers.

Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology

Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators and our on-line secured loan pre-qualification application. The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.

Meeting Every Challenge

We rapidly respond to new opportunities made available in today's dynamic mortgage markets. As a result, the requirements of our mortgage customers are consistently met through mortgage underwriting flexibility and delivery of unique mortgage programs. We often identify niche mortgage programs that are essential to satisfying individual mortgage customer needs.

Highest Quality Mortgage Services

From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services.

"With our fifteen years' experience in real estate, mortgage closing and banking, I understand the importance of attention to detail and closing on time. I strive to involve my clients, listening to their needs and providing the best mortgage plan to fit their lifestyle."

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7100 Northland Circle, Brooklyn Park, Mn, 55428. Located on the corner of 694 and Boone Ave.