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    Universal Lending

    3.6 (22 reviews)
    Closed • 8:00 am - 5:00 pm

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    Ask the Community - Universal Lending

    Review Highlights - Universal Lending

    “My husband and I had the opportunity to work with Joel Houwer at Universal Lending for financing for our first home.”

    Mentioned in 2 reviews

    Read more highlights

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    Castle & Cooke Mortgage, LLC

    Castle & Cooke Mortgage, LLC

    (5 reviews)

    Southeast

    I chose this company after being turned down from a previous company cause I am self employed and…read moremy debt to income ratio was too high. I met with Joe and his team to see if it would be a good fit to work together & I disclosed all of the information that I previously mentioned. Joe told me they would have to run my credit again and If there was any other debts I had recently opened, I disclosed that there was none that I am aware of. You'd think, given that they'll run my credit they should be able to know. Communication leading up to the week before closing was okay. One week before my closing day. I get a call from Joe saying "under writing came back & unfortunately your debt to income ratio is too high. You're no longer qualified for this loan. I am sorry." I asked Joe why wasn't this discovered upon the first meeting & he said "you're right it showed have showed up in your credit pull (mind you this is a hard pull). Not sure why it hadn't". Joe provided no other options on how to better my situation, just a dry "I am sorry". I asked what's my DTI, how can I improve it, what's my purchasing power currently, etc. I simply felt like Joe gave up. I spoke with multiple lenders and they mentioned that a credit pull will disclose my full credit history. Being that I was turned down from the first lender due to lack of experience was one thing. To now being turned down by this lender one week from closing when the reason for being tuned down could have been avoided upfront after the first meeting...To put it frankly, it's annoying. At face value Joe and his team seem great, not sure why they had to give me the whole run around. I wasted almost a month of stress balancing my life to have things just to blow up in my face.

    TOTALLY UNPROFESSIONAL ! BE AWARE! There are better lenders out there. Joe Massey was totally…read moredisrespectful and unprofessional through the entire process. I was shopping around for the best interest rates for refinancing as a wise and responsible home owner. I was very respectful and answered all his questions through out the whole process. He called me and told me that I'm not serious and cut me off for no reasons and basically told me to get LOST. Sounded like he didn't have a better offer or just got mad that he couldn't take as much money from me as he wanted to. STAY AWAY FROM THIS BUSINESS !!!!! as there are much more professional lenders out there and offer better services. Will never recommend anybody here and will alert as many people as I can to stay away from this place.

    Jennifer Fairfield - Guaranteed Rate - Jennifer Fairfield - Senior VP of Mortgage Lending - aka the best mortgage broker in Denver!

    Jennifer Fairfield - Guaranteed Rate

    (101 reviews)

    Washington Park West, Southwest

    We can't recommend the folks at Rate -- Emily, Jennifer, etc -- enough for their work with our…read morehouse hunt. We previously worked with KeyBank, and they were perfectly fine with the process. However, I don't believe we would have accomplished what we needed to--understanding our budgeting, offering on one home, moving to a different home, and ultimately ending up with a better interest rate and an accelerated closing date--if we had gone that direction this time. Most importantly, though, we valued having someone to connect with who walked us through these processes, communicated genuinely, and acted as a great sounding board to iron out issues along the way. Thank you again to Emily, Jennifer & team for helping us land our dream home and making a super stressful time smoother than it could have been. We appreciate all of your hard work for us.

    As first-time homebuyers, my husband and I wanted to work with a loan officer who was personable…read moreand local. After exploring options with a credit union and a large mortgage company, we found that Guaranteed Rate consistently provided the best customer service. Jennifer and Katie were fantastic throughout the entire process--knowledgeable, responsive, and genuinely invested in making our experience smooth. A colleague recommended Guaranteed Rate to us, and now that we've officially closed on our home, we can confidently say it was the right choice. The entire process, from underwriting to document submission, was seamless and stress-free. We are incredibly grateful for their support and highly recommend Jennifer, Katie, and their team to anyone looking for a top-notch home-buying experience

    Inspire Home Loans

    Inspire Home Loans

    (52 reviews)

    Robyn Trinci was the worst person to work with. She set up calls with me just to not be available…read more When she did call back she called and hung up immediately just to register a call was made and ignored my immediate returned call. She got upset because I told her to communicate with me via email to have a paper trail going forward because she was not reliable communicating, whatsoever. Then she completely ghosted me! Buying your first home is a daunting process and she was absolutely the worst person I could have come in contact with. Nevertheless, New American Funding was able to step in and get my loan approved without any communication issues or negative energy. I would never recommend her! I would actually run far away from this company, check their yelp reviews totally different vibe than these google reviews. By the grace of god after the first false call, I reached out to a secondary lender and got the process taken care of, emailed her and STILL haven't heard back. So I had the builder contact her and tell her that I was not moving forward with Inspire and that is SOLELY due to Robyn Trinci.

    I agreed with other review, if you get loan officer Tori Zimmerman, it will be bad luck. She is…read morevery bad, she approved everything at beginning, lack communication, until about closing the other loan processor yelled at me because they still need this, that documents, Tori never told me those things & what I have to do. No news since pre-approval until closing. I saw her biography, she doesn't have experience or specific in loan officer job, or accounting something like that, except other things such botanical, education, etc. No wonder as loan officer at Inspire she lack knowledge. I have enough, she make enough troubles.

    Universal Lending - mortgagelenders - Updated October 2026

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