John was just fantastic to work with. I never had to question where I was at in the process. His updates were timely and substantive. He’s extremely knowledgeable and professional. John is the only loan officer I will work with on my next real estate transaction.

This is my second time working with John. John was great, always kept us informed, explain every step of the process.

John was excellent to work with. He took the time to explain everything to me, and to make sure I understood and was comfortable with all the details. He was always available whenever I had questions and did an excellent job helping me purchase me new home. I will definitely be giving John ALL of my future business!!

I have used John Z for the last few purchases. I have never called or used anyone else. He is awesome

John is the best! He always kept us informed of the whole process. Call, text. Won't use anyone else.

We've worked with John for a long time. He helped us get our first home. I've kept an awesome relationship with John since. Very understanding. Very thorough. explains very well. Will continue to work with Mr. Zanini.

My husband and I spoke with a few different lenders before we began this process. We chose John Zanini because he explained the process so well and understood our needs from the beginning. We had no idea what to expect as first time home buyers, and John answered all of our questions and was very patient throughout the whole process. He was very clear with everything we needed to provide and we appreciated his intentionality, communicating updates, and ensuring we understood every step. We would definitely recommend John to anyone looking for a great lender to work with!

I've had the chance to work with John before, the experience was exactly what I expected!

John is very professional and was always available when questions came up. He also communicated instructions clearly and precisely.

John is the best to work with. Upfront and forthright. No BS. Great communication. Super knowledgeable and a great guy to boot. I'd use John's services no matter what lender he was with.

John Zanini has helped us several times with purchases and refinancing. Each experience has been easy because John explains each step along the way, there never was surprises. John Zanini always treated us like a friend he wants to help, he far surpasses the bar of good customer service. Wish all companies had a John Zanini!

John Paul Zanini was very professional, he made sure I was informed along every step of the process, via email and phone calls. John all made sure I understood everything each time and the next steps. Will work with and recommend John Zanini in future.

John was excellent!! He laid out all the necessary documents I would need and was very through in explaining the process. He was more than accessible, and was there whenever I had a question. He was professional and friendly. He worked tirelessly on my loan and gave way beyond 110%. I felt like there was always someone in my corner. When a person works with John, they're working with THE BEST!

John was very professional and responsive to all of our questions. The only documentation we thought was a little ridiculous to have was that we owed nothing on a time share we had purchased 20 years ago! We even contacted the county clerk in Soutth Carolina and she said she never heard of any request for something that old and could not provide documentation. Other than that you guys were great.

Thank you very much John is awesome to work with!!!

John is detailed, responsive, and takes great care of his clients!

John is great and has been very consistent and easy to work with on all my refis, etc.

this was the easiest process we have had for home financing. John was great to work with and was able to course correct the couple times I didn't follow with what was needed or the process.

John was such an incredible help in our refi. This was by far our best experience with any mortgage company. Communication was clear, process was laid out well and easy to follow, no surprises along the way - at least not on John or ULC's part. We had a curve ball thrown at us as within days of locking in our rate, my husband was off work due to short term disability. I worried this would affect our loan process, but even with that hiccup, John and the ULC team helped make the whole affair easy, quick and painless. We'll definitely be back and have already referred people your way. Thanks for all your help!

John and the rest of the team did an excellent job of helping me through my refinance. I have worked with him twice now and he has helped make the loan process as painless as possible both times. I was also very pleased with the mobile notary service provided for closing.

John is amazing at what he does. He is always able to answer all of our questions and always responds in a very timely fashion.

John is very professional. He is always available when I have a question, if I call him or email him he response immediately and he is always willing to help to answer any questions. I recommend him to anyone who needs loan close he is the one to go to. Thank you John. Alme.

John was great and I'll recommend him to others like I already did my neighbor.

We greatly appreciate John and his assistance during the process. John expressed his desire to be at our closing but was not able due to the pandemic we are all experiencing at this time.

I was appreciative of the process through Universal lending, refinancing my home was fairly simple with minor and unavoidable delays. In my opinion, John Zanini was the biggest reason for my choice to use Universal Lending. John is always personable and always shows great appreciation for the client. He is very knowledgeable and was there every step of the way to answer questions and assist any way he could. Communication with John was easy, he was prompt to respond. I felt like John went out of his way to make my experience a good one. He always has! I have had the pleasure to work with John to arrange to finance many times. I'f there comes a time where I need this service again, I plan on working with John. John is the reason I chose Universal Lending.

Thank you John Zanini, for being so attentive, efficient, and informative during our refinancing! We are thankful and pleased with both times we have gotten to work with you!

awesome thank You, thank You

I would use John Paul Zanini as my agent no matter what company he is employed by, he has been helpful to me for several years now and always points me in the right direction.

John is always fantastic to work with! I truly feel like he has my best interest in mind every time I work with him.

My daughters and I have used John during the purchase of several properties and wouldn't dream of using anyone else. He always does an amazing job.

This is the 3rd time we've worked with John. He is a pro! Thanks.

Fantastic experience. John met every one of my needs and exceeded my expectations.

John is excellent! He is always there through email text phone call or any other method. He takes time to explain things plainly and throughly. He gives a personal touch to the service and I could not have done this without him. I will be working with him in the future when I buy my next house!!

I've worked with John on both property purchases and refi's. He is always responsive, gives great financial service and is easy to work with. He makes the whole property purchasing process as painless as possible and financially sound. You won't find anyone better!

John Z was a pleasure to work with. It was our first time in this process and he made it so easy for us. he made himself available to us for any questions we had thought the process. I would recommend John to anyone!

Great guy and kept the process moving. Have used him 3 times now. He is an asset.

He is great