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People refinance for many reasons: to lower their interest rate, to build equity faster, or to use the equity already established in their home. Regardless of your reasons for wanting to refinance your existing mortgage, we can help you make a decision that works best for you. READ MORE

Buying a Home

Buying a home can be a complex process, but it doesn't have to be hard. With a little preparation up front, you can save a lot of time and hassle. Learn more about the documentation you need for the loan process and costs involved. And, please don't hesitate to call, so we can answer any questions you may have. READ MORE


I joined Universal Lending to help people achieve their dreams of home ownership. Whether you're a first-time homebuyer or a move-up buyer, I work hard to understand your financial situation to match you with a mortgage program that best suits your goals for the present and the future. I specialize in FHA, VA, and Conventional mortgage products in Colorado. I am also well-versed in community lending programs such as CHFA. I strive to make the process as easy, understandable, and timely for m ...

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Contact Me


Joel Houwer - NMLS: 827314
Licensed: CO #100037556
6775 East Evans Avenue
Denver, Colorado 80224
Phone: (303) 759-7387
Cell Phone: (303) 903-5711


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Universal Lending Home Loans 1-800-758-4063