Universal Mortgage Inc. has announced the opening of a new office in Brooklyn Heights, located at 146 Montague Street, between Henry and Clinton Streets. The company also maintains its current main office located at 455 First Street in Park Slope. The new office will provide more localized support for clients hoping to buy or refinance in the “Brownstone Brooklyn” neighborhoods of Brooklyn Heights, Carroll Gardens, Cobble Hill, Boerum Hill and Fort Greene. The office will be led by Norman Calvo, founder and CEO of Universal Mortgage and a 28-year veteran of the mortgage business whose mortgage expertise, coupled with his extensive knowledge and understanding of the Brownstone Brooklyn market, culture and outlook, makes him uniquely qualified to address the needs of clients in these neighborhoods. “Securing a mortgage today remains a tedious, lengthy and stressful process--particularly as the landscape of the mortgage market continues to change in response to economic conditions” said Calvo, president and CEO of Universal Mortgage. “As such, it’s critical to feel comfortable with and trust that your loan originator has the experience and knowledge to get the job done. And it is not just about being knowledgeable about lenders--it’s also about a direct connection with the client to understand the nuances of their needs and how best to accommodate them.” “Over the past few years we have expanded our operation into the actual neighborhoods we work in. By doing so we are more accessible to our clients, and more importantly, part of the community,” said Edward Ades, vice president of Universal Mortgage. “Our clients know this, which is why we’ve been able to successfully serve the Brooklyn market for the past 18 years and why we are able to expand today despite the current market.” Calvo will be supported by a team of well-respected mortgage industry veterans, all of whom bring extensive experience, knowledge and passion for the neighborhoods the new office will support--particularly the four and five unit co-op buildings so prevalent in Brooklyn. The office will provide a full range of mortgage products and services. Universal Mortgage is ahead of the curve in offering not only conventional loans, but is also amongst the few mortgage brokers that also includes FHA in its product mix. For more information, visit www.universalmortgageinc.com.