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Robert P. Smith
Email: rpsmith@ulc.com
Phone: 720.737.2069
6775 E Evans Ave
Denver, CO 80224
NMLS# 1565793
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Testimonials
"Bob, Claudia, and Chrissy all exceeded my expectations! The service and timing were great and quick. They fully explained everything they needed from me and explained what I should expect. No surprises, delays, or other issues due to this team of true professionals! I will be recommending Bob and his team to many of my friends and clients. They provided a great service, at a reasonable rate! Thank you again for what has been a hassle in the past! Thank you!" Nathan C.
"Bob was INCREDIBLE to work with. Our realtor gave us a very aggressive timeline for closing to make our offer more competitive, and Bob and the team was more than up to the task. His organization, timeliness, and ability to rapidly respond to us and our agents made the whole process extremely smooth and probably a lot less stressful than it would have been with other providers. Big thanks to the Universal Lending Team for helping us get into a home we love!" Patrick C.
"Bob is amazing. As a first-time homebuyer, he explained everything I needed to know, but also respected my time when/if I had done prior research. In the beginning of the process he devoted time to my options without pushing any timelines or commitments. All in all I worked with Bob for over a year as it was a long house search. He was always extremely prompt to call the selling agent and on top of it with the closing process. I have no doubt that having him as a lender made my offer much more competitive. Don't hesitate to work with Bob for your mortgage whether you're a first time homebuyer or changing homes." Mark H.
"Really great experience! Bob was fantastic to work with. From day one, he made the process extremely easy, smooth, and understandable for me. He was honest with the entire process. He communicated often and was quick to respond to any question I had. He made my first time buying a home a really great experience." Nick D.
"Pleasure of an experience. Bob was above and beyond of what we expected in every way possible. His professionalism, promptness, knowledge of the industry and his friendly personality made the entire situation an absolute pleasure. I would highly recommend him to anyone!" Daniel
"Professional; warm; friendly. Robert was wonderful during the financing and purchase of our Colorado home - making each step clear, and rolling with the punches (as a consummate professional) during several surprises that cropped up on our day of closing. The process could not have gone smoother, and the help and advice could not have been more clear or more friendly. I would recommend Robert to anyone." Shay P.
"My wife and I recently used Bob Smith and Universal Lending for our mortgage. Bob could not have provided a better experience. He is thorough, educational, professional and a pleasure to work with. While we hope we stay in our house for a long time there is no doubt that the next time we need a loan or help with our mortgage we will be using Universal Lending and Bob Smith." L. B.
"We are first time home buyers and couldn't have been happier with our mortgage loan officer, Bob Smith and his company Universal Lending Company. Getting a loan is a complex process but Bob led us the way step by step to make it easy and seamless. At any point, we could call, text or email him with questions and he made himself available. Most importantly to us, he explained things in layman's terms. Bob was also very proactive in reaching out to us with any paperwork or deadlines that needed to be completed. He is an expert at his craft and provided outstanding customer service all around. Would recommend Bob to anyone in need of a loan assistance. A+ Bob! THANKS." Chris M.
"Bob was absolutely fantastic every step of the way during the mortgage process. He was always responsive to phone calls and emails, and never made me feel stupid for asking my constant questions. I knew that he had our best interests at heart and he was honest and forthright throughout the process. Judy also was great and made it easy to get all the required documents submitted in a timely manner. I highly recommend Universal Lending for your mortgage needs." Marilyn W.
"My husband and I loved working with Robert because he was patient and very efficient. He gave us clear instructions and kept us updated with the next steps. He and the rest of the staff at Universal Lending are the greatest and if we decide to refinance in the future, we would not hesitate to choose Robert to assist us with the process." Disera D.
"Bob and Judy from Universal Lending saved my home purchase. BoA had dropped the ball and there were two weeks remaining before closing, and no appraisal done. Through constant work, friendly communication, and easy interaction, Bob and his team got the deal done in time. I'm still shocked that I'm sitting here in my new home in Sedalia overlooking the mountains. The seller's agent didn't even show up to my closing, but Bob personally came down to assure all went well. I can't express how much I heartily recommend Bob and his team. Thank you so much for this!" Stewart O.
"As a Real Estate agent, I don't always have a choice in who my clients choose for their lender. After a bank dropped the ball on a home purchase for my client, Bob Smith and Universal Lending stepped in. With unbelievable skill, efficiency and hard work, Bob and his team got the appraisal done in record time and closed the home on our original contract close day. Who you choose as your lender matters, and Bob Smith with Universal Lending is a great choice! " Geoff O.
"Thank You Bob & Judy for another perfectly closed transaction! As a realtor I appreciate how well you both communicate, I never have to worry about missed deadlines, waiting for a phone call back, etc.....you both are always on top of the deal! I fully trust knowing that if I send a client your way you will work hard to get the deal closed! Thanks Again." Jaime S.
"Bob and his team were wonderful to work with. Their attention to detail, prompt communication style and willingness to work hard to get the loan funded speaks volumes. As a local Winter Park Realtor, I will definitely be sending my clients his direction. " Elle E.
"Bob was awesome, I looked at some interesting places and needed some unconventional financing but he always came through. There were many hurdles that I'm not sure every lender could have overcome. But I'm now the new owner of my own home!!! I am super excited. Thanks for the help, I would highly recommend him." Josh W.
"Bob and his team at Universal are absolutely fantastic to work with. As a local Denver Realtor I am constantly being approached by lenders trying to earn my business, but none of them have the follow-up, consistency, and communication that Bob provides. He is a true professional and an absolute delight to work with. He understands my high expectations as a Realtor and offers a high level of service to all of my clients. They all rave about him, which in turn makes me look great too. In this business, team work makes the dream work, and I am lucky to have him on my team. " Amanda S.
"A colleague referred me to him after closing on their new home, and the service he provided was better than I could have hoped for. Not only was he extremely personal and personable, working one-on-one with me every step of the way and making sure I understood every little nuance of the loan documents, he always went the extra mile to make me feel like his only client. Have questions or need paperwork at noon on a Sunday? Bob's all over it. Daily and even hourly check-ins to find the best moment to lock in a rate? He's on that too. What about a guy who can thoroughly explain complicated financial paperwork, and make it seem easy, over a drink at your favorite pub? Bob's got that in spades.
I successfully closed a house within 6 weeks of meeting him, thanks in no small part to his efforts and diligence. Even more amazing is the post-closing services he provides, including complimentary annual check-ups to re-examine the loan and make sure you're getting the best possible deal.
I now consider Bob more than just my broker - he's also my friend, and my ally. Call Bob and tell him Austin sent you, you won't regret it!!!" Austin S.