Loan Officer

Ready to take the next step?


We know Joel Houwer personally and he has been our loan officer for three different home loans now over the past 8 years. He is very professional and is one of the most knowledgeable and helpful people in the home mortgage industry we know. He takes time to explain each detail and step of the home loan process and is always available to answer questions. Joel's knowledge of the loan industry and home-buying has helped us to make wise and informed decisions with our finances and assets that we would not have been able to make on our own. We will always choose and recommend Joel and Universal Lending to anyone we know for home buying and mortgage services. - Zach E.

See more reviews

I believe that honesty and trust is the foundation of relationships.

I believe Real Estate is one of the best paths to building wealth.

Growth | Trustworthy | Strategic

The things that light me up in life and business are relationships, learning, and helping people succeed. I’m passionate about helping eager, committed clients achieve their real estate goals. That’s why I love what I do!  I get to learn all I can about the mortgage industry and financial strategies so that I can be the best possible resource to YOU. Let’s just say I “nerd out” about these things so you don’t have to!

Other things that light me up

· My family – I have a wonderful wife and 2 young boys who are busy bodies. Our house has been messy and broken for years. I’m always fixing something!

· Mountain Biking – I pretty much enjoy anything on two wheels!

· Skiing – I like going fast! I’m also teaching my boys to ski now too!

· Nature – Getting out and enjoying natural, unspoiled places is medicine for the soul.

· Music – especially choral music. I have been lucky enough to sing with the Colorado Symphony Chorus and with Kantorei at the Aspen Music Festival!

Little-known fact

I have dual citizenship with the US and Canada. My Dad is originally from Canada and my parents chose to get my siblings and I dual citizenship when we were kids.

Are we a good fit?

12 years in the mortgage banking industry | Licensed Mortgage Loan Originator

8 years in Mortgage Tech industry| B.A. in Business Administration | Minor in Music Performance

I was always told if you can’t say it best yourself, find someone else to say it for you…

“Joel is incredibly knowledgeable and patient. He thoroughly answers all your questions and is able to anticipate your needs. He provides suggestions but never pushes. He is truly on your side the entire time. I can’t recommend him enough.” Michael B.

Ready to create more wealth through smart real estate financing? Let’s do it together!

A home mortgage.

Get started