Steve Umansky

NMLS #61764 · Licensed in Pennsylvania, New Jersey, Delaware, Maryland, and Virginia · Verify on NMLS Consumer Access

4.92 · 490 verified reviews · Experience.com

First-time buyers
Real estate investors
Commercial and SBA
Refinance

Get pre-approved with Steve Call (267) 241-9900

Direct (267) 241-9900
Email [email protected]

How Steve works

More than two decades in mortgage lending, across residential, commercial, SBA, and hard money. That range matters when a file isn't straightforward: a self-employed borrower, an investment property, a renovation that has to be underwritten on the after-repair value.

First-time buyers, investors, and commercial buyers all get the same thing: plain-language advice, a real number early, and a direct line that stays open from the first call to the closing table. Not a queue, not a 1-800 number, not a different person every time you check in.

What to expect

A short form, then a call. Tell Steve what you are trying to do. No Social Security number and no pay stubs at this stage. Steve calls back, usually the same business day.
A real number. Steve runs your income, credit, and assets against the programs you actually qualify for, and tells you what your file supports and what it does not.
A letter agents take seriously. When you are ready to make an offer, the pre-approval letter is built on verified numbers, not a guess.
One person, start to finish. Steve stays on your file through underwriting, conditions, and closing. Same direct line the whole way.

Programs Steve works with

Full list: all loan programs. PHFA first-time buyer programs are also available through Steve.

What clients say

4.92 out of 5 from 490 verified client reviews on Experience.com

I had a great experience working with you throughout the entire loan process. You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.
Yelda A., North Wales, PA · September 2026
Steve is a highly professional banker, and he successfully resolved all significant issues to ensure the closure of my mortgage. The entire process was convenient and completely paperless.
Alexey K., Roseland, NJ · August 2026
I think the service was great because the entire mortgage process was smooth, professional, and well organized. Communication was excellent, everything was completed on time.
Mykola G., Glen Mills, PA · August 2026
You have professional team working for us. Thank you!
Olena Z., Philadelphia, PA · September 2026

Reviews are collected by Experience.com from clients after closing and shown here unedited. Read all 490 reviews for Steve.