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 have spent over 18 years in the real estate and mortgage financing industry. My expertise is helping homebuyers/ investors in all facets of conventional financing, along with FHA/VA/USDA. My passion is helping people find the best financing options for their particular situation. I am a member of the Fort Collins Chamber of Commerce/Red Carpet Committee, Homebuilders Association, and Fort Collins Board of Realtors, and the Fort Collins Business Women Network. I offer superior customer servic ...

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Contact Me


Kim L. Martin - NMLS: 1019501
Licensed: CO #100507390
3665 JFK Parkway
Building 2, Suite 310
Fort Collins, Colorado 80525
Phone: (970) 283-7686
Cell Phone: (970) 217-3721


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Universal Lending Home Loans 1-800-758-4063