Universal Lending Home Loans

Universal Lending Home Loans offers financing for first-time homebuyers through FHA loans, with lower down payment requirements. Its residential mortgage lending includes conventional, VA, USDA, jumbo, bridge, non-QM, and DSCR loans, as well as cash-out refinancing. Options address different borrower and property needs, including military service, rural homes, higher-value properties, rental investments, and flexible income or credit situations. The company describes both wholesale and retail lending processes and provides access to loan officers. Applicants can move through steps such as preapproval, document review, underwriting, closing, and funding. Universal Lending serves borrowers in Colorado and across the nation, with home lending products offered in 47 states and the District of Columbia.