Our Mission: People helping people achieve their dreams.
Select the edit icon to edit your custom html
Our Values:
Service to Customers
Productivity
Stewardship
Team Relationships
Reputation
Growth and Innovation
Our Cause:
Universal Lending Foundation - The Mortgage Bridge Program
MortgageSAT Mid- Size Independent 2021
Best-In-Class
At Universal Lending, we take customer satisfaction seriously. So seriously in fact that we subscribe to a borrower feedback analysis program called MortgageSAT. Every borrower who closes a loan with us is given the opportunity to complete a post-closing survey. MortgageSAT helps us benchmark ourselves against our peers in the industry and gives us the control, visibility, and context needed to manage and improve the borrower’s experience.
We are thrilled to announce that our customers have rated us #1 in the nation in six categories! Check out our videos below in What's Trending!
Learn At ULC
The Purchase Loan Process: A Step-by-Step Walkthrough
The loan process to purchase a home has many steps. The walkthrough below provides an overview of that process. We'd be more than happy to answer any questions you may have along the way.
Pre-approval - Get pre-approved for a mortgage and know in advance exactly how much payment you can afford. Completing this step will also increase your negotiating power since you'll be viewed as a "cash buyer."
Loan Search - Put yourself in the hands of an experienced mortgage professional, someone who will help you to determine which financing options best suit your needs today and in the future.
Loan Application - It's crucial to supply the lender with as much information as possible, as accurately as possible. All outstanding debts, as well as assets and income should be included.
Documentation - Paperwork supporting the application must also be submitted. Information commonly sought includes pay stubs, two years' tax returns and account statements verifying the source of the down payment, funds to close and reserves.
The Hunt - Begin shopping for a house. Once you find the right one, the terms of the sale will be negotiated, including the price and potentially the terms of the loan being sought.