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 quarterly  report on Form  10-Q of United  Financial
    Mortgage Corp.;

 2) Based on my knowledge, this quarterly 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 quarterly 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
    quarterly 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 quarterly report is being prepared; and

   b) evaluated the  effectiveness of  the registrant's  disclosure  controls
      and procedures and presented in this  report our conclusions about  the
      effectiveness of the disclosure controls and procedures, as of the  end
      of  the  period  covered  by  this  quarterly  report  based  on   such
      evaluation; and

   c) disclosed in  this  quarterly 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  adversely  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.

 Date:     September 14, 2004

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