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.
A loan pre-approval sets you up for a smooth home buying experience. It shows that you’re ready and able to buy!
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.
The underwriter is the key decision-maker. They closely evaluate all the documentation prepared by the loan processor in the loan package.
Already searching online? At this stage, it’s a good idea to start working with a buyer’s agent and viewing homes.
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.
Documents (or loan docs) are drawn and sent to the title company (or attorney’s office) where the closing meeting takes place.
Universal Lending offers many loan types such as:
Conventional, USDA, FHA, VA, CALHFA DPA,
Construction to Permanent, NON-QM and Private Money.
Lorraine Zepeda Marin
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,
NMLS Branch ID 2045168
220 N 11th Ave.
Hanford, CA 93230
NMLS Branch ID 2179415
5545 Avenida De Los Robles Ste 101B, Visalia, CA 93291
NMLS Branch ID 2179110