Richard Spadola
Loan Officer (Arbor Ranch)



NMLS# 1310913
email: RSpadola@ULC.com
phone: (303) 759-7344
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Richard Spadola is a seasoned Mortgage Loan Originator with over 25 years of experience helping clients achieve the dream of homeownership. Throughout his career, he has specialized in guiding borrowers through every step of the mortgage process with personalized service, clear communication, and a deep understanding of a wide range of loan programs and products. He is passionate about building lasting relationships with his clients and partners, and he takes great pride in making the home buying journey as smooth and stress-free as possible. With extensive industry knowledge and a commitment to excellence, he is dedicated to helping individuals and families find financing solutions that best fits their needs.

Sylma Yendunian
Loan Officer (Long Meadow, Bridgeway, Ridgeview, Valley Oak, and Natomas)
Se Habla Español

NMLS# 799061
email: SYendunian@ULC.com
phone: (657) 345-9316
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Sylma Yendunian was born and raised in Southern California and has been a Loan Officer for over 30 years. She is a dedicated professional with proven performance in management, leadership, and communication. With detail-oriented skills in problem-solving and planning she is determined to make a lasting contribution to ULC and help homeowners achieve their dreams. She has worn multiple hats throughout her career and likes to spend time with her family and her two cats. She also unwinds by traveling, attending concerts and plays.

Stefanie Delmar
Loan Officer (Long Meadow, Bridgeway, Ridgeview, Valley Oak, and Natomas)


NMLS# 261165
email: SDelmar@ULC.com
phone: (760) 481-8354
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With over 15 years in the mortgage industry, Stefanie brings extensive experience in residential lending and to Universal Lending Co. As a Certified FICO Expert, she specializes in helping clients understand how credit works and how to use it effectively to maximize their financing potential. Her approach is built on listening and educating, working in tandem with clients to make the home buying process as stress-free as possible while tailoring her communication style to fit each client’s needs.

John Oyoung
Loan Officer
NMLS# 243371
email: JOyoung@ULC.com
phone: (916) 838-7520
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John Oyoung brings a unique perspective to helping you with your home loan, having sold new homes for 9+ years prior to entering the mortgage side of the business. This experience brings a clear understanding of your expectations and demands of a lending partner. Along with 20+ years of mortgage experience, most of as a preferred lender for new home builders. John continues to increase his knowledge to better support his agents by attending builder education classes and serving as a director for the North State Building Industry Association (BIA). In addition to being licensed with the National Mortgage Licensing System (NMLS), John holds a California Real Estate Broker License, and has earned the Certified New Homes Marketing Professional (CMP) and the Graduate Realtor Institute (GRI) designations. John will be here to help you through the path to home ownership.