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	Hazard Insurance A form of insurance in which the insurance company protects the insured from specified losses, such as fire, windstorm and the like. Housing Expenses-to-Income Ratio The ratio, expressed as a percentage, which results when a borrower's housing expenses are divided by his/her net effective income (FHA/VA loans) or gross monthly income (Conventional loans).

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Get your mortgage loan with Unified Financial Group.

We specialize in home mortgage loans and refinance loans. Unified Financial Group can help you consolidate your debt and lower your monthly payments, even if you have less-than-perfect credit. We give you everything you need to get the loan that's right for you. Click apply now to fill out our easy loan request form and a Mortgage Specialist will contact you about your loan options. If you want to do some research on your own, visit our FAQ's page for Mortgage Resources to get definitions and more information.