The Perfect Home Loan
is Waiting for You.
Universal Lending is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
UNIVERSAL LENDING’S
Loan Process
Pre-Approval
A loan pre-approval sets you up for a smooth home buying experience. It shows that you’re ready and able to buy!
Loan Application
A few documents are needed to get a loan file through underwriting such as verification of: Employment, Income, Assets, Debt, Property, Financial Blemishes and type of Mortgage.
Underwriting
The underwriter is the key decision-maker. They closely evaluate all the documentation prepared by the loan processor in the loan package.
Shop
Already searching online? At this stage, it’s a good idea to start working with a buyer’s agent and viewing homes.
Processing
Opening the File! Loan processors gather documentation about the borrower and property, review information in the loan file and assemble an orderly and complete package for the underwriter.
Closing
Documents (or loan docs) are drawn and sent to the title company (or attorney’s office) where the closing meeting takes place.
Testimonials
Lorraine Zepeda Marin
Marshall
Holmes
Zachary Robinson
Main Office:
1522 Shaw Avenue,
Clovis, CA 93611
NMLS ID 225400, CA DFPI # 60DBO-50739, CA DRE # 01858433
Fair Oaks Office:
11707 Fair Oaks Blvd.
Ste 201, Fair Oaks,
CA 95628
NMLS Branch ID 2045168
Hanford Office:
220 N 11th Ave.
Hanford, CA 93230
NMLS Branch ID 2179415
Visalia Office:
5545 Avenida De Los Robles Ste 101B, Visalia, CA 93291
NMLS Branch ID 2179110