The process was great with ULC. However, they are selling their mortgages to a sub par company that has multiple complaints about unethical financial business practices to which that company is now in a class action law suite. I had to refinance again with a more reputable company to get out of the shady company my loan was sold to by ULC. read more

oh, my gosh, what a racket! Universal Lending (Sarah) has royally given my daughter and her husband the shaft! It took Two months to get a refi, they charged them thousands, they lied to them about the 'research' they were supposed to do, and ended up with almost the same house payment. Skip this business. read more

I cannot say enough good things about Marna Deines, who has now been our lender for two home purchases under Universal Lending. Marna is everything you want in a lender; she's understanding, compassionate and straight-forward. She is honest with you, even when it's hard to hear, but she is the best guide through a stressful process that one could ever have. In addition to being a part of your team, Marna has also been ridiculously professional and efficient. She processes paperwork at the speed of light, often working late and on weekends. She answered every phone call and email within minutes. She helped us work with the IRS, she contacted other lenders and our sellers to smooth out a tough transaction and on a long-pushed back closing day, she not only brought us little gifts, but presented for us, since she knew we were comfortable with her. If it sounds like I'm gushing, I am. Without her, we would not have our dream home, 100%. She worked a miracle for us. Having her as a part of your lending team is like having an ace in your hand; an incredibly smart, generous and patient ace who is also a financial wizard. read more

If you want to deal with a lender that takes no accountability for anything & has about 20 different hands in the pot then these guys are you. They waited until a week before closing to start reviewing the file and "denied" it... Kept being told it was industry standard to do that. The file is now with another lender and they have found several mistakes in Universal's work (wrong income, wrong interest rates & several other inconsistencies). You know why you don't wait until last minute? To avoid mistakes going in to closing. I was also told on a phone call "It is not our job to review these files in depth before it hits underwriting. It's your job to review them and tell us if you see any red flags." Really?! Last time I checked I'm not a lender and I shouldn't be doing that. The mistakes started early and trickled all the way down to underwriting and I have a feeling they didn't want to track the mistakes back to the beginning. There was no communication at all. If they did email it was typically at the end of the day. Here we are a week later and the new lender locked us with CHFA after having the file transferred over from Universal for only 4 days... They accomplished in a few days what Universal couldn't do in 8+ weeks. I would maybe consider these guys if you are in a bind, but I would definitely research smaller lenders that are more readily available. Last thing you want is to be in the final stretch and be screwed over like us. read more

I worked with Jason Doughty with Universal Lending, and on occasion with Kevin Wolf. However, this is mostly about my experience with Jason and how incredible it was. This was the 2nd time I have purchased a home, and I wish my 1st time was with Jason. Every step of the process, Jason effectively communicated with me each step. He made it easy to let me know what he needed from me, and took on more work for himself to make the process easier for me. We did a very quick 21 day close - and the financing was the easiest part of it. I would recommend Jason hands down. I got to meet Jason in person at closing, and he's probably one of the nicest guys I have ever met. read more

Have always had great service here, both acquiring an FHA loan for our first home, and later refinancing. Nicky (Nichole) Hungerford has a genius knack for getting all this working and with low levels of stress in an otherwise would-have-been stressful experience. Thank you! read more

Robert P. Smith at ULC - "Bob" - is THE MAN. 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!!! read more

I recently purchased a house through ULC and had my closing botched by the group. That storm has passed, and it's only two weeks later. During these two weeks, I've gotten a TON of mail from all the secondary marketers ULC must be selling my name to, and just now a letter from the new owner of my loan. Not once did I get a call or letter from ULC, thanking me or welcoming me. I'm glad to be done with them, although not excited about the podunk company they sold my loan to. Try calling their number and asking for Customer Service. You'll be sent through to an individual's voicemail without an explanation of who that person is. read more

My husband and I had the opportunity to work with Joel Houwer at Universal Lending for financing for our first home. The experience was wonderful! Joel was very patient with our numerous questions and concerns and we felt like we were really being cared for and heard. If we ever decide to buy another home in the future, we would love to work with him again! read more

Marilyn Mottershaw at ULC was our loan officer when we bought our home last winter, and we couldn't have had better service. Marilyn was always available to answer questions, answering emails at the most random of times. She was always helpful with advice for us as first-time homebuyers, but never treated us condescendingly. With her help, the process was painless and we got a great rate on our mortgage. I'm still convinced we are never moving again, but if we ever did have to move, I'd definitely go back to Marilyn. read more

I will recommend Neal David Coyle ! He is amazing! Thank you for your big help;-) read more

We worked with Bob Smith of Universal Lending to buy our home here in Denver and honestly cannot express how pleased we have been with every aspect of working with Bob and ULC. We had never bought a house before and Bob took the time to sit down with us and walk us through every aspect of the home-buying process. Bob took all of our information and immediately got to work on our loan approval. We ended up finding our house, making an offer, and closing all within a three week period and Bob was nimble, communicative, and unbelievably helpful in making the process smooth and simple. And at the end of the day, Bob was able to get our closing costs significantly lower than the number we had been working off of, which was the icing on top of an already-great experience! If you're looking for a helpful, personable, and incredibly knowledgable lender in the Denver area, Bob Smith is absolutely the one to go with! read more

Universal Lending is a class act! I have been in the mortgage industry for over 24 years. I have been on both the customer side and the employee side with Universal Lending. Universal Lending takes care of both their customers and employees! Universal is a locally owned company, which I love and they do a lot in the community. read more

LeAnne Merciez with Universal Lending is the best! She helped us with both the purchase and then a recent refinance of our home. She made the process super easy and stress-free. Would highly recommend! read more

We were told literally one week before closing that our costs would be almost 2k more than the good faith estimate stated due to an error on our broker's part. We would have walked, but our seller was suffering from a terminal illness and it would have been terrible for them if we had walked away and delayed the process by finding a new lender. They were buying and selling on the same day and really needed it to go smoothly. I am stunned that Universal would not take responsibility for their mistake. The broker just kept saying that the good faith estimate that we all signed was not actually a legally binding document, so we couldn't hold him to the terms of it. We should have walked, but then would have felt so bad for the seller. This was in Denver. read more

I'm buying my first home, working Matt Ackerman and Claudia Lopez, and I could not be more comfortable or at ease with the whole process. From the get go they have been more than willing to lead me through every piece of paper, explaining everything in terms I could understand. They answered every email, and believe me, there were plenty! I would recommend them in a heart beat to anyone looking for any kind of loan. It has absolutely been a pleasure working with this office! read more

I worked with Breonna-Maria Rodriguez, unfortunately her customer service skills lack in ability to be honest with her clients. Very difficult person to work with, and unwilling to go out of her way to help a person out if it does not benefit them personally. I personally do not recommend working with this company. read more

Universal Lending - Mortgage Lenders Near Me - Denver, Colorado

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. read more

Joel Houwer and team are fantastic to work with. They are transparent and very helpful in finding a mortgage that works for you. I can't recommend them enough! read more

they do not even deserve 1 star. i have been trying for 3 weeks to pay a loan for my son that was in forbearance due to covid. many times spending over 2 hours on the phone. transfer after transfer after transfer. i never get the same answer from anyone. if they are working from home or remote or in the office what should be the diffrence in service. to talk to a supervisor a request has to be put in and they might get back to you in 24 to 48 hours. myg $7000.00 payment may be small to thme but it is not to me. i am trying to make sure my grandchildren can continue to live in their home. what is the problem with company. their policies and procedures should be the same no matter the location they are working from. oh and its super fun to be disconnected after being transferred only to have to call back and explain for the 10th time why i am calling. frustrated to the point of tears. read more

Recently had my house refinanced by Dan S. through this company. Was promised rate x, didn't get the rate due to issues with escrow balance. I was advised to do a 25 year mortgage at said rate. When it came time to closing, the said rate was for a 30 year mortgage. So I refused to sign, attempted to close again the following day and long behold the rate was just wrong, so I ended up paying an additional $60 / month. Not sure how a company can make such a HUGE mistake. But essentially I was promised the wrong rate not once but TWICE. Furthermore ever since closing they do not even respond to my e-mails. In a market this saturated go elsewhere as I am very confident you can find more competent people to do the work. read more

Doni Dolfinger is a great Reverse Mortgage agent, she is very knowledgeable and willing to help her clients in any way she can. Thank you Doni for your expertise and your commitment to a job well done. You and your associates were excellent to work with. Sincerely, Lucero and Angel Family read more

Our experience was awful, however it was the Mortgage Lender we had that turned our deal to a stress-fest! DO NOT use Charles "Chip" Allen Jr. He is in the Crestline division of Universal Lending Corporation. We literally had to go to the Corporate Offices and ask them to get involved so we could get our loan closed. Our VA loan didn't close on time, but we were able to salvage the deal to close the next week and save our rate. Long story short, do your homework, but definitely steer clear of this guy with Universal Lending. He doesn't communicate well, can't explain anything clearly; it ended with him in an outburst, yelling profanities at the top of his lungs. Not a good experience for our fist home... read more