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Helping people achieve their home dreams.

The Universal Team members are experts at home lending. Our wholesale and retail process is designed to be simple—making the mortgage process as quick and easy as possible. It's not just a tagline, it's our promise.

Find A Loan Officer

It's easier than you think

Seamless, stress-free lending.

Universal Lending's Team is at the forefront of the residential mortgage lending industry in Colorado and the across the nation. They are leaders in the Colorado Mortgage Lenders Association and active members of the national Mortgage Bankers Association, often meeting with Washington insiders with their peers from all around the country. We've seen every kind of market and continue to thrive and evolve the company to keep pace with the ever changing climate of the real estate industry.

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You're Preapproved!

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Documents Received

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Underwriting Approved

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Loan Funded

Of course we’ve got great products perfect for you and your home.

First-time homeowner loan

FHA Loan

Lower down payment and lower barriers-perfect for the first-time buyer.

Well-qualified loan

Conventional Loan

Great for well-qualified individuals, with lower rates and less hoops.

US Military loan

VA Loan

Lower down payment and lower interest rates for US Military Veterans.

high-earner home loan

Jumbo Loan

Special financing for higher value properties with limits set by location.

Rural Homeowner Loan

USDA Loan

Zero down, lower rates and lower credit reqs. Made for rural properties.

Credit card payoff loan

Cash-out Refinance

Up to 95% loan-to-value ratio made for paying off high-interest debt.

Home seller Loan

Bridge Loan

Short-term financing for homebuyers who have a house to sell.

Flexible requirement loan

Non-QM Loan

Flexible income and credit requirements provide financing options for unique situations.

Property investor loan

DSCR Loan

Debt service coverage ratio uses rental income to qualify for financing