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    Universal Lending and Real Estate

    4.5 (8 reviews)
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    Services - Universal Lending and Real Estate

    Mortgage services

    Buyer's agent

    Listing agent

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    2 years ago

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    Photo of Kyle W.

    Kyle W.

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    5 years ago

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    7 years ago

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    7 years ago

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    7 years ago

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    8 years ago

    This guy knows his stuff. Super friendly and knowledgeable. If you are needing a lender that can get it done then contact him!

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    9 years ago

    We used Joshua to finance our new house. He handled the whole proccess quickly and will defiantly use him again,

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    8 years ago

    Just wanted to say, Thank you so much Josh for helping me get approved for my new house. I love it and so excited for this new start!

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    NEXA Lending - Service Offer

    NEXA Lending

    (17 reviews)

    We are so grateful for Ray and Patti. At our first…read moreconsultation with Ray, we were impressed by his professional demeanor and personable approach. Before we committed, we met with him to gather more information and found Ray to be exceptionally clear and straightforward when explaining the process to us. We had no hesitation about choosing him for our mortgage lending needs. He possesses an in-depth knowledge of the mortgage lending process and guided us through every step. He worked tirelessly on our behalf to secure the best possible rates and tailored options to fit our needs, all while making sure we understood every detail. Thankfully, Ray was able to help us navigate the entire process with not even one concern. He responded to every text and phone call quickly and never left us feeling lost in the process. In fact, we were so pleased with him that we recommended him to family and close friends who were also looking to buy a house. Another benefit was that he introduced us to the realtor that we loved working with. At the end of our journey, we were able to buy the house of our dreams with a fast close and no money down. I can fully, in good conscience, say that Ray and his team will take great care of you and make home buying a pleasant experience.

    I've worked with Ray for 7 years and From the first day I spoke with Ray he was more like family,…read morehe is very knowledgeable and will get you the best deal for your loan. I do not hesitant recommending his service's to anyone and everyone, Ray is the best !

    Universal Lending and Real Estate - realestateagents - Updated July 2026

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