Let's make your
dream home
a reality
UTK Realty and Mortgage accompanies you step by step in purchasing your home, making an investment, or refinancing, offering you multiple financing options—even with flexible requirements so you can achieve your goal no matter your situation. Our mission is to make your experience simple, approachable, and trustworthy, with personalized care and tailored solutions for employees, self-employed individuals, and investors.
Our service
- Financial Accessibility: offer solutions for buyers with all types of credit history, accepting scores as low as 500.
- Customized Options: a wide range of products, including HELOCs, loans for employees and self-employed, options without income verification, and more.
- Comprehensive Services: covering everything from conventional and FHA/VA mortgages to investment, commercial, and construction loans.
- Expert Guidance: every client receives personalized advice from Uwe Kerner, Branch Manager, ensuring closeness, trust, and outstanding service throughout the entire process.
Our stats
12
years of experience
30
financial products available
110
associated lenders
Our process
Personalized Initial Consultation
We listen to your needs and analyze your profile to offer the best financing alternative.
Prequalification and Options
We quickly prequalify you and present options that best suit your personal and financial situation.
Management and Guidance
We guide you through document collection, application, and approval, answering all your questions along the way.
Closing and Post-Sale Support
We celebrate your closing, and continue to support you for any future needs or questions regarding your loan.Reviews
This could be your story too.
Emily & James
First Home Together
"We dreamed of finding our own place to start this new chapter. UTK made everything easy: they explained each step and helped us secure the right mortgage."
Sarah
Young Professional Homebuyer
"At 26, I thought buying a home was impossible with my entry-level salary. UTK showed me options I didn’t know existed and guided me through the whole process."
