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Author: Justin Ballard

Justin Ballard is the owner/operator of United Financial Mortgage, LLC. He has fourteen years in the mortgage industry which has spanned almost every facet including originating, processing, underwriting, closing, funding, post-closing, sales, training, recruitment, and management. He is driven to provide the latest technology, white-glove service, and a wide array of mortgage programs, all while finding the lowest rates and fees for his clients. Justin Ballard, Owner/Broker Cell Phone: (804)-814-1168 Email: jballard@ufmmortgage.com Individual NMLS # 1123711 (https://nmlsconsumeraccess.org)
An elegant kitchen with wood floors, and island with chairs, and stainless steel appliances.
Mortgages

Avoid These 5 Expensive Kitchen Mistakes When Buying Your First Home

ByJustin Ballard June 12, 2024December 8, 2024

Buying your first home is an exciting milestone, but it can also be a minefield of hidden costs…

Read More Avoid These 5 Expensive Kitchen Mistakes When Buying Your First HomeContinue

A storage unit with wicker baskets, two shelves above it, a fur rug, and a crib.
Mortgages

Understanding Hazard Insurance: What Homeowners Need to Know

ByJustin Ballard June 5, 2024December 8, 2024

Owning a home comes with various responsibilities, one of which is ensuring that the property is adequately insured….

Read More Understanding Hazard Insurance: What Homeowners Need to KnowContinue

A large house on top of a hill with a three-car garage.
Mortgages

Tips for Buying a Home at a Lower Cost

ByJustin Ballard May 29, 2024December 8, 2024

While it’s not always possible to stumble upon a fantastic house at a rock-bottom price, there are strategic…

Read More Tips for Buying a Home at a Lower CostContinue

A mother and father at the foot of a bed looking at their toddler daughter on the floor, playing.
Mortgages

9 Home-Buying Myths Debunked – Don’t Fall for These Common Traps!

ByJustin Ballard May 22, 2024December 1, 2024

When it comes to buying a home, there’s no shortage of advice from well-meaning friends, family, and social…

Read More 9 Home-Buying Myths Debunked – Don’t Fall for These Common Traps!Continue

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Mortgages

Understanding the Differences Between Mortgage Insurance and Homeowners Insurance

ByJustin Ballard May 15, 2024February 2, 2025

New homeowners are often confronted with various financial and insurance-related decisions, including understanding the difference between mortgage insurance…

Read More Understanding the Differences Between Mortgage Insurance and Homeowners InsuranceContinue

A one-story home with two gables and a two-car garage.
Mortgages

5 Ways You Might Actually Be Sabotaging Your Home-Buying Efforts

ByJustin Ballard May 8, 2024December 15, 2024

With the housing market heating up, it’s like a battlefield out there, with buyers scrambling to claim their…

Read More 5 Ways You Might Actually Be Sabotaging Your Home-Buying EffortsContinue

A one-story home with a for sale sign in the yard.
Mortgages

Why You Need a Real Estate Agent When Buying a Home

ByJustin Ballard May 1, 2024December 22, 2024

In today’s digital world, buying just about anything is as simple as a few clicks. But when it…

Read More Why You Need a Real Estate Agent When Buying a HomeContinue

A one-story home with a one-car garage and a green front yard.
Mortgages

Demystifying Home Loans: The Scoop on Conventional and Non-Conforming Loans

ByJustin Ballard April 24, 2024December 29, 2024

When it comes to buying a home, understanding your mortgage options can feel like learning a new language….

Read More Demystifying Home Loans: The Scoop on Conventional and Non-Conforming LoansContinue

A family cooking together in the kitchen.
Mortgages

Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?

ByJustin Ballard April 17, 2024January 5, 2025

Many potential homebuyers find themselves facing a common conundrum: should they wait for mortgage rates to drop, or…

Read More Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?Continue

A sunken living room with three steps.
Mortgages

Balancing Act: The Art of Compromise in Home-Buying

ByJustin Ballard April 10, 2024January 12, 2025

When it comes to buying a home, it’s often said that it’s all about location, location, location. However,…

Read More Balancing Act: The Art of Compromise in Home-BuyingContinue

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United Financial Mortgage, LLC
Making Your Mortgage Easy
(A licensed company with the Virginia SCC. License number: MC-5952.)
6955 Henrietta Court
Mechanicsville, VA 23111
Individual NMLS #: 1123711
Company NMLS #: 1385249

(https://nmlsconsumeraccess.org)

www.ufmmortgage.com

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