- Fixed-Rate Mortgage: UMortgage offers fixed-rate mortgage loans where the interest rate remains constant for the entire loan term. This option provides stability and predictable monthly payments.

- Adjustable-Rate Mortgage (ARM): UMortgage provides adjustable-rate mortgages that have an initial fixed interest rate for a specified period, after which the rate adjusts periodically based on market conditions. ARMs offer flexibility as the interest rate and monthly payments may decrease or increase over time.

- Jumbo Loans: UMortgage offers jumbo loans for borrowers who need financing exceeding the limits set by government-sponsored enterprises (GSEs). Jumbo loans are ideal for purchasing high-value properties.

- FHA Loans: UMortgage provides FHA loans that are insured by the Federal Housing Administration. These loans have lower down payment requirements, making them suitable for first-time homebuyers or individuals with limited funds for a down payment.

- VA Loans: UMortgage offers VA loans designed for veterans, active-duty military personnel, and their families. VA loans provide favorable terms, including low or no down payment requirements and competitive interest rates.

- USDA Loans: UMortgage provides USDA loans that are backed by the U.S. Department of Agriculture. These loans enable eligible borrowers in rural areas to purchase homes with no down payment requirement.

- Cash-Out Refinance: UMortgage offers cash-out refinancing, allowing homeowners to access their home equity by borrowing more than the outstanding mortgage balance. This option provides funds for various purposes, such as home improvements or debt consolidation.

- Rate-and-Term Refinance: UMortgage provides rate-and-term refinancing options, allowing borrowers to replace their existing mortgage with a new loan that has more favorable terms, such as a lower interest rate or shorter loan term.

- Construction Loans: UMortgage offers construction loans for individuals looking to build a new home. These loans provide financing throughout the construction process and then convert into a permanent mortgage once the construction is complete.

- Investment Property Loans: UMortgage provides loans specifically tailored for investment properties. These loans offer financing options for individuals looking to expand their real estate portfolio or generate rental income.

Please note that this information is based on the provided content and may not be a comprehensive list of all loan programs offered by UMortgage. It is recommended to contact UMortgage directly for full details and eligibility requirements of each loan program.