Purchase - Refinance - Residential - Commercial. Underwood Mortgage is a small company with all the capabilities of a much larger brokerage firm. We are both mortgage brokers and direct lenders – a unique position that allows us to shop dozens of lenders and remain in control of the underwriting and processing of each loan. And in contrast to retail lenders, such as banks and credit unions, we can offer a wider variety of products and services. This "best of both worlds" capacity ensures that our clients receive the best rates, terms and service available.