Stefanie Delmar
Loan Officer

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.

Cindy Hill
Loan Officer

NMLS# 340149
email: CHill@ULC.com
phone: (949) 910-3088
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With 21 years of mortgage experience, Cindy has helped countless clients navigate the home loan process with confidence and clarity. Whether you’re a first-time buyer, upgrading to your dream home, refinancing, or exploring specialized programs, her goal is to make financing as simple and stress-free as possible. She has expertise in all loan programs available, giving her clients the flexibility to find the right fit for their needs. Her approach is personal - taking time to understand goals, answer questions, and keep client's informed every step of the way.