EXHIBIT 32.2

 The following certification is provided by the undersigned Chief Financial
 Officer of United Financial Mortgage Corp. on the basis of such officer's
 knowledge and belief for the sole purpose of complying with 18 U.S.C.
 Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act
 of 2003.


                                CERTIFICATION

 In connection with the Quarterly Report of United Financial Mortgage Corp.
 (the "Company") on Form 10-Q for the quarter ended July 31, 2004 as filed
 with the Securities and Exchange Commission on September 14, 2004 (the
 "Report"), I, Robert L. Hiatt, Chief Financial Officer of the Company,
 hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
 Section 906 of the Sarbanes-Oxley Act of 2003, that:

      (1)  The Report complies with the requirements of Section 13(a) or
           15(d) of the Securities Exchange Act of 1934, as amended; and

      (2)  The information contained in the Report fairly presents, in all
           material respects, the financial condition and results of
           operations of the Company.


 Date: September 14, 2004    /s/ Robert L. Hiatt
                             ---------------------
                             Robert L. Hiatt
                             Chief Financial Officer



 A signed original of this written statement required by Section 906 has been
 provided to United Financial Mortgage Corp. and will be retained by United
 Financial Mortgage Corp. and furnished to the Securities and Exchange
 Commission or its staff upon request.