Jason Larkins

  • Branch Manager & Loan Officer
  • NMLS: 1044878
  • (207) 292-2786
  • 127 Pleasant Hill Rd
  • Scarborough, Maine 04074

Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

I have been in the mortgage business for over 5 years; during that time I've coached and managed over 100 loan officers and helped them establish themselves in this industry, and I have assisted hundreds of clients with purchasing or refinancing their homes. I take great pride in understanding my clients' needs and being the expert that you can depend on. I start by educating you on the various options available to you and helping you choose the best loan program to fit your needs and financial objectives. I then focus on providing second-to-none customer service and ensure the most hassle-free loan process from start to finish.

Through hard work, honesty, integrity and consistent communication, it is my desire to make you a client for life and give you the best mortgage experience you've never had.

There is no cost associated to get pre-approved or for a free rate quote. Please call, email or text me – whichever is most convenient for you. I am licensed and assist borrowers in CA, FL, IL, IN, KS, ME, MO, TN and TX. While my office is based in Scarborough, ME, we are a multi-state lender and most of my business is done over the phone/email for borrowers located all over the US.


My opinion of lending companies and their employees has completely changed, thanks to Jason Larkins. Compared to past experiences, the level of knowledge and sincere helpfulness he possesses are second to none. There really is no comparison for the personalized attention and no pressure Jason offers. I’d highly recommend him to anyone in need of a great mortgage professional.

Tammy M
Lady Lake, FL

Jason Larkins is everything I needed when I decided to purchase my first home. Him and his staff are extremely professional yet comfortably casual at the same time -- they treated you like a friend. Buying your first home is scary, overwhelming, and leaves you with infinite questions. Jason and his staff were prompt and worked WITH me. It was a pleasuring experience to work with this office and I will always refer Jason and his team as a first-contact lender. In a very testing time after Hurricane Michael, Jason and his team got me through it and we were able to close in less than 30 days.

Jill E
Panama City, FL

Jason was fantastic through the whole process including helping with things that were technically the real estate agents responsibility. He helped me understand the negotiation aspect, FHA requirements, and was very responsive! Thank you Jason for being the best!

Shawn M
Clinton, TN

I highly recommend Jason Larkins and the whole team at UFF. Jason and Kim made the whole process so easy for me. They were always there to answer any questions. Thank you guys for making the buying process so easy.

Orlando, FL

Wonderful team to work with. We closed in 21 days. Thank you for everything!

Tim G & Steph
New Smyrna Beach, FL

Best experience I ever had, better than I thought. Jason provided me excellent service from beginning to the end. Jason is a true professional and has a lot of knowledge. Very detailed in explaining the whole process and guiding me in all the steps to follow. Thank very much Jason !

Sorrento, FL

Jason has been amazing to work with in securing a loan. As first time homebuyers, we were very nervous about everything. He answered all of our questions and the process couldn't have gone any smoother. We ended up with a great rate that we understood all aspects of thanks to Jason's explanation of the costs.

New Gloucester, ME

I spoke with Jason recently regarding a new home loan on a new build. Jason was very informative and responsive to my questions throughout the experience. He takes his time with clients and educates them on exactly what they need to know so you can make a great decision. His offer was tremendous and very competitive. I would highly encourage everyone to reach out to Jason when in need. He is a great resource with great rates.

Signal Mountain, TN

He was amazing!!!!! As a first time home buyer Jason walked me through every step. He was quick to reply to all my questions and was always available to speak with me when needed. He made this so easy for me. I would recommend Jason to anyone I know.

Schererville, IN

We could not have been more satisfied with our experience working with Jason - start to finish. His experience, knowledge, professionalism, responsiveness and pleasant attitude were apparent right out of the gate. He communicated every step with complete transparency and meticulous attention to detail. Without a doubt, we would highly recommend Jason

Port Orange, FL

Jason has been a wonderful support for me and my family! As a veteran, service is important to me and Jason's timeliness and professionalism of handling my loan has exceeded my expectations. All of my questions throughout the loan process were answered. Jason took the time to be there for all my needs!!

Ewa Beach, HI

Jason was consistent in his follow up. He behaved as more of a partner than a loan officer during the process. There was never an unnecessary wait for information, responses, notifications, etc. He would routinely respond after hours, even though I might send an email at an odd hour and not expect a response right away.


I shopped around with local lenders and none of them could match the program that Jason could offer us for our refinance. On top of that, Jason was extremely responsive, always getting back to me within hours if not minutes of my emails and calls. He is great to work with and very knowledgeable. I would definitely work with him again.

Tulsa, OK

Jason did an outstanding job. I only had to deal with one individual and that was Jason. Great demeanor and very knowledgeable. This refinance was a pleasant experience and something I didn't experience the first time I did a refinance with another company. Great job!

Brainerd, MN

I had a great experience with Jason. It was our first home buying experience and he walked us through it step by step. Never at any point did I not know what was going on. We even threw him a big curveball in the middle of the process and he took it in stride and still were able to close on time!

Kansas City, MO

Jason was always working hard to make sure that we were informed of the lending process. He took the time to explain anything that came up that we did not understand. He is very knowledgeable and we would definitely recommend him to anyone who would like a truly hassle free home buying experience.

Lubbock, TX
What's a Hybrid Loan and How It's Different Than a 30-Year Fixed Loan
What's a Hybrid Loan and How It's Different Than a 30-Year Fixed Loan
May 15 2019   hybrid loan arm loan mortgage loan home loan home loan options
Two common mortgage types that you've probably heard of are a fixed-rate and an adjustable-rate mortgage. A fixed-rate mortgage has a set rate for the whole life of the loan while an adjustable-rate mortgage, or ARM loan, usually begins with a lower... Read More
First-Time Homebuyers: Avoid These Mistakes!
First-Time Homebuyers: Avoid These Mistakes!
May 8 2019   first time buyer first home first mortgage home loan apply for a first home loan
Buying your first home is a thrill. Browsing homes online, daydreaming when driving through neighborhoods, and creating a Pinterest board to save remodeling ideas is great fun. But don't let the excitement of buying your first home cause you to make... Read More
Housing Market Cools Making it Sizzling Time to Buy
Housing Market Cools Making it Sizzling Time to Buy
May 1 2019   first time buyer first home first mortgage home loan apply for a first home loan
If you’ve been on the fence about buying a home, we have some excellent news for you! Recent changes in the market have made it an ideal time to purchase a home. So what changes have occurred that make us so confident? Bidding wars have gone... Read More
Getting a Home Improvement Loan: Scenario by Scenario
Getting a Home Improvement Loan: Scenario by Scenario
Apr 24 2019   closing costs home loan refi credit score best home loan rate
Home improvement loans can be used for minor upgrades or major repairs or even complete remodels. Everything from replacing old plumbing to making your home more energy efficient are great reasons to consider a home improvement loan. With much... Read More