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 October 31, 2004 as filed with the
Securities  and  Exchange  Commission  on December 15, 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: December 15, 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.