EXHIBIT 31.2    CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
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 I, Robert L. Hiatt, Chief Financial Officer, certify that:

 1) I have reviewed this annual report on Form 10-KSB of United Financial
    Mortgage Corp.;

 2) Based on my knowledge, this annual report does not contain any untrue
    statement of a material fact or omit to state a material fact necessary
    to make the statements made, in light of the circumstances under which
    such statements were made, not misleading with respect to the period
    covered by this annual report;

 3) Based on my knowledge, the financial statements, and other financial
    information included in this annual report, fairly present in all
    material respects the financial condition, results of operations and
    cash flows of the registrant as of, and for, the periods presented in
    this annual report;

 4) The registrant's other certifying officers and I are responsible for
    establishing and maintaining disclosure controls and procedures (as
    defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant
    and we have:

   a) designed such disclosure controls and procedures, or caused
      such disclosure controls and procedures to be designed under our
      supervision, to ensure that material information relating to the
      registrant, including its consolidated subsidiaries, is made known to
      us by others within those entities, particularly during the period in
      which this annual report is being prepared; and evaluated the
      effectiveness of the registrant's disclosure controls and procedures;
      and

   b) disclosed in this annual report any change in the registrant's
      internal control over financial reporting that occurred during the
      registrant's most recent fiscal quarter (the registrant's fourth
      fiscal quarter in the case of an annual report) that has materially
      affected, or is reasonably likely to materially affect, the
      registrant's internal control over financial reporting; and

 5) The registrant's other certifying officers and I have disclosed, based on
    our most recent evaluation of internal control over financial reporting,
    to the registrant's auditors and the audit committee of registrant's
    board of directors (or persons performing the equivalent function):

   a) all significant deficiencies and material weaknesses in the design
      or operation of internal controls over financial reporting which are
      reasonably likely to affect the registrant's ability to record,
      process, summarize, and report financial data; and

   b) any fraud, whether or not material, that involves management or other
      employees who have a significant role in the registrant's internal
      controls over financial reporting; and

 6) The registrant's other certifying officers and I have indicated in this
    annual report whether or not there were significant changes in internal
    controls or in other factors that could significantly affect internal
    controls subsequent to the date of our most recent evaluation, including
    any corrective actions with regard to significant deficiencies and
    material weaknesses.


 Date:    July 29, 2004

 /s/ Robert L. Hiatt
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 Robert L. Hiatt
 Chief Financial Officer