Universal Mortgage Inc., one of New York’s largest mortgage brokerages, has announced the addition of commercial loan expert, Howard Abrams, to its team of extraordinary residential mortgage experts. With more than 15 years of experience in the commercial real estate mortgage industry and deep knowledge of the Brooklyn market in particular, Abrams will extend Universal Mortgage’s already substantial advantage in the borough to also include commercial loans. Universal Mortgage’s ability to attract top performers aligns with its high customer satisfaction ratings. “Howard Abrams is an incredibly skilled professional who understands the culture and needs of the lending market for local businesses, especially with regards to small mixed use and commercial properties that are so common in Brownstone Brooklyn,” said Norman Calvo, president and CEO of Universal Mortgage. “Even in a tough economy, by expanding into commercial loans we hope to broaden our exposure within this continually growing area.” Abrams has over 15 years of commercial real estate mortgage banking experience including 10 years with Emigrant Savings Bank and its commercial mortgage subsidiaries, as well as stints at two other prominent mortgage banking firms. His responsibilities included underwriting, appraising and the placement of commercial mortgage loans ranging from $50,000 to $200 million. Abrams earned a masters of science degree in real estate finance from New York University. Howard resides in Park Slope, Brooklyn with his wife and child. For more information, visit www.universalmortgageinc.com.