11/23/2023 - Seth D CO
, Loan Officer: Cheryl Braunschweiger
Through start to finish the team was there for any needs. Questions were answered in a timely manner and easy process when things are explained
11/22/2023 - Mark R CO
, Loan Officer: Sandy Levy
Very happy with the ULC experience.
11/19/2023 - Salvador B CO
, Loan Officer: Tonya (TJ) Jenkins
Everything went great. Meeting TJ at panera was the best decision of my life. She helped me out and I appreciate everyone involved.
11/18/2023 - Joseph A MT
, Loan Officer: Doug Spence
My lender made the process very easy and straight forward, made sure I had everything I needed and provided all the required papers and documents leading up to closing.
11/17/2023 - Mitch C CO
, Loan Officer: Leanne Merciez
Leanne is the person who made lending with ULC the perfect experience. She truly is the absolute best.
11/14/2023 - Robert G CO
, Loan Officer: KC Harney
KC is a complete and total ROCK STAR !!!
11/08/2023 - Latitia C MT
, Loan Officer: Doug Spence
I worked with the loan officer extraordinaire &”The A Team”!! The Best in The West!
11/07/2023 - Michael G MT
, Loan Officer: Brian Hafner
Brian made us feel very important from the start. He was always available to answer any and all questions we had!
11/04/2023 - David E CO
, Loan Officer: Lisa Lessard
Ms. Lisa Lessard was the key to the enjoyable and successful process. She is an absolutely exceptional communicator, ensuring that we understood everything that we needed to know & acknowledging every communication clearly. Lisa explained complicated procedures, processes, & documents, in clear manner and simple terms and happily and patiently answered the multitude of questions that we had for her. Despite required training and attending a conference, Lisa made sure that she stayed in contact with us or had her loan processor stay tightly engaged with us. We have never had a loan officer hold our hand so tightly, yet gently, throughout the mortgage process. Lisa's outstanding communication was only matched by her expertise of all aspects of the process. Lastly, her positive spirit and friendly personality was what "sealed the deal" when we were looking for a lender. She is an absolutely wonderful person and professional that made this home-buying experience truly enjoyable! Please pass on our sincere, heartfelt thanks to Ms. Lisa Marie Lessard.
"Your review warms my heart, and I'm thrilled to hear that your experience was not only successful but enjoyable. As a veteran, your trust in me means the world, and I am truly grateful for the chance to serve you. I'm passionate about helping individuals like you achieve their homeownership dreams and knowing that my efforts made the homebuying experience enjoyable for you. I thank for your trust and for choosing me as your loan officer! I wish you all the best in your new home! Lisa"
11/02/2023 - Joe O FL
, Loan Officer: Elizabeth Turra
Elizabeth made the process so doable and kept us in the loop. She was very clear about what to expect and what was needed. She was prompt with responses and very supportive. It was a joy to work with her.
11/02/2023 - Daniel M TX
, Loan Officer: Judy Jones
How we ended up with ULC is a bit convoluted. Long story short, we couldn’t find a house at one point in Texas and decided to move to Colorado when the market cooled. Our realtor from that time referenced us to another who happened to work with ULC — only after the loan application was mostly done we realized that I couldn’t relocate due to work. Since Judy had a license in Texas, and the process was already underway, we found no reason or advance of leaving to restart the process. The fact that Judy is amazing at her job was an unexpected bonus!
"Thank you, Daniel! I was grateful to have you referred to me to assist you with your home purchase! You were a delight to work with and I wish you many blessings in your new home! Maybe someday Colorado will be your future home!"
10/31/2023 - Cheryl B CO
, Loan Officer: Josh Groner
Josh Groner was an excellent loan officer. His communication and frequent updates made the process go very smoothly.
10/19/2023 - Sandra B MT
, Loan Officer: Tawna Leonard
everyone was great
10/19/2023 - Stephen M CO
, Loan Officer: Joe Whitlock

working with Joe and Dez
10/17/2023 - Priscila P CO
, Loan Officer: Beth Anderson
Working with Beth has been a pleasure from many years. She is a closer and she guides you clearly throught the process.
10/17/2023 - Alexander T CO
, Loan Officer: John Zanini
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.
10/07/2023 - Zhi L CO
, Loan Officer: Kim L Martin

Kim Martin is very responsive
10/05/2023 - Crystal T CO
, Loan Officer: Joy Homewood
Joy, it was all Joy. She was the reason that I went wth this loan co. She was informative, positive, and soooooo supportive.
10/04/2023 - Sandra B MT
, Loan Officer: Tawna Leonard
everyone did an awesome job we are very grateful
10/04/2023 - Gregory M CO
, Loan Officer: Marna Lynn Deines Desormeaux

Overall painless experience
09/27/2023 - Amy M CO
, Loan Officer: Christopher Murphy

Chris just made everything simple and every time we spoke on the phone he explain things to where I could understand! Desi and I communicated by email and she was very knowledgeable as well and easily understood what she was asking for
09/26/2023 - Taylor G CO
, Loan Officer: Rebecca Kiana Trujillo

Rebecca was great, she was always available to answer any of my questions and made sure that we fully understood everything before we signed anything.
09/25/2023 - Brianna P CO
, Loan Officer: Cathy Erickson
Cathy is a really great person to work with. She kept me in the loop and always made sure I understand.
09/15/2023 - Mariah H MT
, Loan Officer: Brian Hafner
Very responsive, knowledgeable and easy to work with
09/07/2023 - Jeremy W CO
, Loan Officer: Jim Smith
Jim Smith was the reason we selected Universal Lending.
09/05/2023 - Jordan G CO
, Loan Officer: Cathy Erickson
Cathy Erickson was such a pleasure to work with. We were first time home buyers and were nervous about the process but she was there every step of the way. She always answered our questions. She was very professional, knowledgeable, kind and compassionate. I have already told friends and family about our experience with her.
08/31/2023 -
, Loan Officer: Brian Hafner
Brian was amazing to work with. I’m a very needy human and he was responsive through it all.
08/30/2023 -
, Loan Officer: Jim Smith
Jim was a rockstar throughout my entire process. He kept me alert of the status of my file from start to finish! I am very grateful for all of his teams hard work and expertise throughout the entire process!
08/29/2023 - Katie B MT
, Loan Officer: Doug Spence
Any questions we had were answered and they kept us in the loop on what info was needed and why, as well as trying to stay ahead so that it would go through in a smooth and timely manner. Really appreciated this as with us getting things done in a timely manner meant if there was an issue we would be able to get it fixed before it affected anything else or delayed the process.
08/29/2023 - Star W CO
, Loan Officer: Paulette Wisch
Paulette Wisch was terrific, very professional, always available, friendly and fun to be with. In fact she was at the closing, even though she had lost her voice and had someone there to translate.
08/29/2023 - Veronica A CO
, Loan Officer: Natalia Rois
Having Natalia Rios as our loan officer was such a great experience, she gave us her full attention and was incredibly helpful throughout the whole process. She had so much knowledge, answered any questions I had with easy-to-understand responses, and was able to provide swift updates from start to finish. As a first time home buyer, this process can seem quite daunting but Natalia really made this experience enjoyable.
"Thank you so much Veronica for trusting me during this process. I know is not easy and can be a little overwhelming, a true reminder of why we have to keep the best communication from start to finish! congratulations again!!!"
08/26/2023 - Hannah S CO
, Loan Officer: Elizabeth Turra
Perfect experience and speed to close was most important and Elizabeth and team delivered. I think I may be able to navigate better effective rate in the future by leveraging my personal banking relationships however I did not have time this to round and am pleased with how things turned out.
08/25/2023 - Randall P CO
, Loan Officer: Paulette Wisch
This survey is too long
08/23/2023 - Ashe B MT
, Loan Officer: Brian Hafner
Everything was very positive and it was a great experience to be able to find a home for our growing young family. Thankful for all the help through the entire process and the help and advice given to us to be able to qualify for the needed amount of our home along with the constant communication.
08/22/2023 - Heather P CO
, Loan Officer: Lisa Lessard
Lisa was absolutely amazing. I was able to close two weeks earlier than expected. When an issue raised with a CHFA home buy class, Lisa was on it. This was the most seamless process, thanks to Lisa and Debbie.
08/15/2023 - James W CO
, Loan Officer: Jim Smith
Jim and Cameron have been my go-to guys for 10+ years for a reason.
08/14/2023 - Blake M TX
, Loan Officer: Cathy Erickson
Cathy was amazing. We were first time home buyers, and she held our hand through the process. She walked us through it, helping to make us feel confident and reassured. She bent over backwards to help us get closed on our home.
08/13/2023 - Ismael G CO
, Loan Officer: Natalia Rois
Muchas gracias Natalia por el esfuerzo y dedicación para nosotros poder tener una vivienda digna estamos agradecidos por su gran ayuda BENDICIONES
"Fue un placer ser parte de este sueño, gracias por tener fe & felicidades!"
08/08/2023 - Charli S MT
, Loan Officer: Trina Wood
Easy to talk to, answered every question literally whenever we asked it. Was just overall an AMAZING experience
07/25/2023 - Craig L AZ
, Loan Officer: Elizabeth Turra
Elizabeth and Kimberly were so Professional & Nice!! I was so nervous going thru this process and they answered every question I had and made sure that I understood the process!! Kim was just wonderful!!
07/20/2023 - Diana G CO
, Loan Officer: Alisa Anderson
Alisa Anderson and Andie Tate hands down was the best loan officer we have dealt with, extremely professional and helpful
07/17/2023 - F A CO
, Loan Officer: Beth Anderson
Beth, Saved me $ and a whole lot have hazel from working with Bank of America on my refinance. BoF was a pain in the ass to work with. I tried and Beth once again made my life and the process much easer. Thanks!!
07/14/2023 - Tyler K CO
, Loan Officer: Cheryl Braunschweiger
Cheryl, Lindsey, and Kim were great. I have previously worked with Cheryl and Lindsey for refinances and knew I would use them for this purchase. When I was thinking of selling/buying, I reached out to Cheryl, and she talked me through my options and helped inform me of what I was considering. Lindsey is amazing! She is friendly, knowledgeable, and very available for my MANY questions. She patiently talked me through all of my rate buy-down options so I could make the best decision and kept me very informed of our loan along the way.
07/10/2023 - Jaclyn C MT
, Loan Officer: Tawna Leonard
Tawna and her team were remarkable. They answered all our questions and explained further if needed. We truly appreciate everything that they did for us and making sure we closed in time.
07/05/2023 - Jodene M CO
, Loan Officer: Kim L Martin

Kim Martin was wonderful! She spent the time up front to make a positive connection with me. Kim was also extremely patient as I was trying to get the best interest rate possible and was doing some comparative shopping. In the end, I decided to go with Universal Lending because of Kim.
07/05/2023 - Dylon K CO
, Loan Officer: Tonya (TJ) Jenkins
Every communication I had was pleasant and easy. I never had any unresolved issues or questions and was always provided information in a timely manner.
"Thank you Dylon, you were so great to work with. You managed the entire to do list early every step of the way. That made my job easier. Thank you for letting me be part of your team! Enjoy the new place when you get to move in!"
06/30/2023 - Joseph C MT
, Loan Officer: Doug Spence
The ease of the loan process.
06/29/2023 - Karen F CO
, Loan Officer: Nicky Hungerford
Nicky is wonderful!
06/28/2023 - Marek C CO
, Loan Officer: KC Harney
KC's professionalism, communication and expertise are amazing and he goes above and beyond with helping even after business hours.
06/10/2023 - Caleb B CO
, Loan Officer: Joe Whitlock

Joe rocks!
06/09/2023 - Michael G CO
, Loan Officer: Mel Hansen
none
06/07/2023 - Nader A CO
, Loan Officer: Christopher Murphy

My wife and I really enjoyed working with Chris and Dez. They were both very personable, approachable, and timely in their responses.
06/06/2023 - Cory M CO
, Loan Officer: Jodianne Mentus
Loan officer seemed to actually care about my feelings and very helpful.
06/05/2023 - Joshua H CO
, Loan Officer: Elizabeth Turra
Elizabeth and her team were very knowledgeable and caring throughout the whole process and really made it quick and easy.
06/03/2023 - Mallorie W CO
, Loan Officer: Cheryl Braunschweiger
The process was easy and not stressful! I had contact and help throughout the process and Cheryl was amazing and very supportive and knowledgeable
06/02/2023 - Brian H MT
, Loan Officer: Tristi Bauer
What a great company! Everybody was so nice and easy to work with. Loved my experience!
05/31/2023 - Michael B CO
, Loan Officer: Judy Jones
Judy Jones is amazing at her job! She always goes above and beyond in anything thats asked from her. This is the second home she has helped me purchase. She literally has changed my life. She helped me every step of the way to build up my horrible credit until I was able to buy my first home. I listened and remembered everything she taught me and I am very thankful for the impact she has had on my life. She has literally helped most of my friends and family purchase homes. I will always refer every potential home buyer to her. I hope Universal Lending values her as much as my friends and family do!
"Michael, it has been an honor to assist you and your lovely family with homeownership! Thank you for the lovely compliment! Always wishing many blessings for you!"
05/25/2023 - Zachary E CO
, Loan Officer: Joel Houwer
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.
05/23/2023 - Ramiro C CO
, Loan Officer: Claudia Lopez
I've bought and refinanced several homes in the past and Claudia provided the best lending experience I've had. She was attentive, on top of things and helped provide guidance through the process ahead of time, without us having to track her down.
05/12/2023 - Andrea M CO
, Loan Officer: KC Harney
This was my first time buying a home and KC helped me so much! He explained everything very clearly and thoroughly without making it overwhelming. He was great to let me know what was happening now and what was coming next.
05/10/2023 - Gaylan R CO
, Loan Officer: Tonya (TJ) Jenkins
friendly, always there to explain.
05/10/2023 - Brenda F TX
, Loan Officer: Cathy Erickson
I was very nervous and confused about the process. Everyone involved was very helpful and caring.
05/10/2023 - Lynsee O MT
, Loan Officer: Trina Wood
Trina was amazing to work with and I will definitely be referring her to friends and family who are looking for a lender. She worked diligently to look into all of my options for this particular home and the specific situation it had.
05/03/2023 - Ronald C CO
, Loan Officer: Elizabeth Turra
Elizabeth and staff very professional and friendly. Super helpful as well.
05/03/2023 - Bethany E MT
, Loan Officer: Doug Spence
The whole experience,from the realtor to the lending team was awesome. I felt like they did the impossible working with us-finding the perfect home and then getting the loan processed in such a fast time. The team at universal was incredible,and so kind and caring-I can’t imagine having done it with anyone else. I was more than impressed and pleased!
05/02/2023 - George A CO
, Loan Officer: Jeff Rickard
N/A
04/25/2023 - Joanne R CO
, Loan Officer: Christopher Murphy

Chris and Dez at Universal Lending did a great job of walking me through the process. I hadn't purchased a home in a long time, and was a little overwhelmed but they kept it all so organized and kept me in the loop, and made it a pleasant experience. Highly recommend them!
04/24/2023 - Thomas H CO
, Loan Officer: Vanessa McLennan

Vanessa was a joy to work with. She made the process as quick and painless as possible.
04/22/2023 - Hung P CO
, Loan Officer: Vanessa McLennan

Vanessa is a rock star.
04/21/2023 - Donna A CO
, Loan Officer: Brett Thomas Popish

I found Brett very knowledgeable and patient. He took the time to explain all the items I had questioned. He went the extra mile to insure I had all the documentation needed to complete my first payments.
04/15/2023 - Paul F CO
, Loan Officer: Doni Dolfinger
Doni was very efficient and professional. Our reverse mortgage application process and closing went smoothly and was completed in a very short time.
04/14/2023 - Anthony P CO
, Loan Officer: Jim Smith
Great experience. Jim was very helpful and was quick to answer any questions
04/11/2023 - Emily G CO
, Loan Officer: Tyler Deines

Tyler was great/ I was about to rent a home for the same price of a mortgage and with one 30 minute conversation I was educated on how easy it was to buy. I knew he was going to be in my corner from the first call we had. I trusted him 100% to explain things to me I was unexperienced in! I would recommend him time and time again. He also gave me an awesome blanket at closing with a card that makes me think he really cares about his job and the people. Highly recommend.
04/10/2023 - Benjamin K CO
, Loan Officer: Brett Thomas Popish

Brett is the best. He made the process easy. He was always available and was always willing to take the time to fully explain everything we needed.
04/05/2023 - David B CO
, Loan Officer: Jeff Rickard
working with Jeff he is a wonderful person
04/04/2023 - Dana O CO
, Loan Officer: Tyler Deines

Everyone was amazing!! Very easy transaction!
04/04/2023 - Sidney S CO
, Loan Officer: Nancy Fridstein
Nancy is an excellent, caring loan officer. She always kept us informed of the process via both email and phone calls. Not only did she help us with our mortgage needs, she also helped my son and wife secure their mortgage loan
04/04/2023 - Marissa M CO
, Loan Officer: Jordan Miller
The team we worked with could not have been more helpful throughout the whole process. All of our questions were answered thoroughly and everyone was super friendly and enjoyable to work with.
03/29/2023 - Lindsay G CO
, Loan Officer: Tonya (TJ) Jenkins
Tonya was great to work with. She communicated regularly to inform me of status, next steps, and just to check in to see if I had any questions or concerns. I felt comfortable through the process because she walked me through the while experience.
03/29/2023 - Barry O CO
, Loan Officer: Vanessa McLennan

Vanessa is the best
03/29/2023 - Joan G CO
, Loan Officer: Lisa Lessard
Lisa made the whole experience a breeze!
03/22/2023 - Sherrionne B CO
, Loan Officer: Alisa Anderson
As first time home buyers, we knew very little about the process, but Alisa Anderson met us at home twice to explain the process and go over any concerns. She and Andie explained everything every step of the way, giving us timely phone calls to explain emails we would be receiving and papers to sign, etc. We always felt welcome to reach out to them and felt they truly cared about us and our experience. This was also true about our real estate agent, Leigh Ann Gentry.
03/21/2023 - Ali A CO
, Loan Officer: Sandy Levy
Sandy Levy the best in business
03/16/2023 - Monica P CO
, Loan Officer: Rob Murray

Rob Murray's communication, dedication, attention to detail, experience, availability, prompt responsiveness and overall professional demeanor is impeccable. This was my second mortgage process with him and couldn't imagine going through this experience without him and his guidance. There are not enough words to commend his commitment to ensuring the customer is at ease and understands the overwhelming process of purchasing a house. Rob is absolutely phenomenal!!!
03/15/2023 - Brian B CO
, Loan Officer: Jordan Miller
Jordan made it a breeze and always had communication! Which made the process even more easier
03/15/2023 - Tracy T CO
, Loan Officer: Lindsey Kent
Cheryl and Lindsey are outstanding. We have utilized them together previously and are the reason we utilized Universal Lending. They both worked diligently for us; explained the process, supported us when we were unsure, and was always available to answer my stupid questions. I sincerely appreciate Cheryl, Lindsey, and Universal Lending for literally saving me from debt and allowing me to retire sooner, from a very stressful and dangerous 40 year career. It means more than you realize!
03/14/2023 - Robyn D CO
, Loan Officer: Alisa Anderson
ALISA IS THE BEST! I WORKED WITH HER AND ANDIE IN THE PAST AND WILL USE THEM FOR ALL MY LENDING NEEDS IN THE FUTURE.
03/08/2023 - Steven S CO
, Loan Officer: Rod McLean
Rod was very persistent and clear on everything we needed to do.
03/07/2023 - Angela D CO
, Loan Officer: Cheryl Braunschweiger
Cheryl was extremely knowledgeable, friendly and an absolute joy to work with! She and her team of professionals made the entire loan process easy to understand and as stress-free as possible. Cheryl was in contact frequently and I knew if I had any concerns, she'd be right there to assist. The morning of my closing, Cheryl called to congratulation me and reassured me she had blocked off her schedule to be available during my closing (closing was on the western slope & I was POA for my spouse). Cheryl and her team went above & beyond to make this process as simple as it could be. Working with extremely knowledgeable, ethical, and caring professionals made this process easy. I would recommended Cheryl and her team to anyone looking for a reputable lender, who has the expertise and passion to see one's home ownership dreams become a reality.
03/01/2023 - Kevin S CO
, Loan Officer: Elizabeth Turra
Everyone made it easy. Elizabeth was always available for any questions. The whole process was smooth and easy.
02/25/2023 - Alicia E CO
, Loan Officer: Jodianne Mentus
She was great
02/21/2023 - Daryl C CO
, Loan Officer: Mike Pike
Mike was courteous, professional and helpful during the entire process. He answered questions and concerns promptly. I would work with him again and recommend him to anyone looking to refinance or purchase.
02/18/2023 - Neil C CO
, Loan Officer: Judy Jones
Judy was fantastic throughout the whole home buying process. Judy and her team kept us informed during the entire process and helped with any questions we had. Additionally Judy is very knowledgeable in the financing portion of the loan. I am pretty sure that I asked about 300 questions during the whole process and she was very patient with me and explained everything to me in a way that made sense!!
"Thank you, Neil! You and Becky were a pleasure to work with! It was an honor to work with you on your first home purchase!"
02/18/2023 - Robert H CO
, Loan Officer: Kim L Martin

Kim was excellent to work with
02/15/2023 - Brandon M CO
, Loan Officer: Brett Thomas Popish

As a first time home buyer, I was not entirely familiar with the mortgage process. In addition, the interest rate and economy as a whole was somewhat unstable. Brett was thoughtful and shared his expertise with me throughout the whole process. He accommodated my long work days by being available after hours. Brett found every financial resource to help me get into my home, including setting me up with the CHAFA program. Once I went under contract, Brett really came through for me. Keeping me informed the whole time, Brett structured the closing costs to my benefit and far exceeded my highest expectations. I have already recommended Brett Popish to friends looking to buy homes and will continue to do so in the future. Thank you Brett for everything you have done. You are truly excellent in your profession.
02/14/2023 - Leanne J CO
, Loan Officer: Kelley Sanders
We appreciate that Kelly was always available and walked me through the steps explaining rates, dates, etc. We felt valued.
02/08/2023 - Joseph Q CO
, Loan Officer: Cheryl Braunschweiger
We contacted Cheryl because of her professionalism during our previous loan
02/07/2023 - Jamie E MT
, Loan Officer: Tawna Leonard
Tawna and her team were very caring and professional, the process was a great experience for us. We really appreciated all of their help and patience with us through this whole process and the response time for answering questions and providing information was phenomena, definitely a 5 star rating.
02/04/2023 - Jocelyn M CO
, Loan Officer: Rebecca Kiana Trujillo

Being a first time home buyer can be scary, not knowing where to start or what it would look like. Rebecca did an amazing job of breaking each step down from documents, time frames, money estimates. Rebecca kept in close contact with us and was always willing to hop on a call, zoom, or meet in person to answer any and all of our questions. No questions felt like dumb questions, I feel like she valued us and really wanted us to find the perfect house at the right price. Not once did I feel pressured by her or feel like she was just doing this for the money. You can genuinely tell she wanted to help us make the best financial decision. Which made us trust her throughout the entire process. We knew she wanted what was best for us. I cannot say anything bad about Rebecca. Her professionalism, her character, her willingness to help, her free caring sprit made this process more fun and enjoyable than stressful. Still after closing she reaches out to see if we have any questions or need anything. I wish everyone could have the experience with a lender like we did. Rebecca is more than great at her job and you can tell she finds joy in doing it. She will forever be my lender!
01/31/2023 - Jack J CO
, Loan Officer: Kim L Martin

The entire process was amazing and seamless. Kim was very knowledgeable and attentive. Her transaction coordinator, Shari Pfeifer is a true gem. She kept me informed during the process. What a fantastic team and I feel very blessed to have done my loan thru them.
01/24/2023 - Nicole K CO
, Loan Officer: Jeff Rickard
Jeff is amazing! He is very knowledgeable and is very good at communicating.
01/18/2023 - Joshua R MT
, Loan Officer: Doug Spence
Doug is a great guy to work with and he knows how to do his job very well. I would and will recommend him to anyone looking to buy a home.
01/12/2023 - Christy M CO
, Loan Officer: Krissy Watson

Krissy was super awesome and was very quick to respond to any questions I or my husband had during this process. Krissy made it go smoothly and was very knowledgeable and helpful with all my questions. I had never gone through a mortgage and I live in Durango so it was cool to be able to do it online and at home. My husband and I are very happy. Thank you for saving us so much money every month and by helping us to payoff our home loan instead of interest only. Blessings.
01/04/2023 - Sam D CO
, Loan Officer: Sandy Levy
Sandy is the consummate professional, and she reacted immediately to any concern I emailed her about, sometimes even on the weekends. I can't say enough about her, and it would be difficult to imagine my closing on this condo without her expertise and guidance, which was often above and beyond what a lender's typically will do. In addition, she is a warm and caring individual, and it was such a pleasure getting to know her briefly.
01/03/2023 - Cody H MT
, Loan Officer: Brian Hafner
Brian was very helpful and informative throughout this process. He was always available to answer questions and made sure we were informed and aware of every step of the process.
01/03/2023 - Robyn H CO
, Loan Officer: Vanessa McLennan

Vanessa is amazing! I have closed several loans with her and always have a smooth, easy process.
12/27/2022 - Clay M MT
, Loan Officer: Brian Hafner
Brian and his team are caring, professionals and it was great working with them.
12/27/2022 - Richard M CO
, Loan Officer: Cynthia Arellanes
I would like to thank cynthia arellanes for being so professional and helpful during the entire time from start to finish with the home buying prosise. She made this a very great experience
12/23/2022 - Marc S CO
, Loan Officer: Lisa Lessard
I wouldn't hesitate to recommend Lisa as a lender. Very knowledgeable. Explained the pros and cons of a VA loan very well. Helped me negotiate this high interest market to get me what I needed in a loan. Thank you Lisa!
12/20/2022 - Denise G CO
, Loan Officer: Brett Thomas Popish

Very knowledgeable, professional and helpful
12/17/2022 - Naomi C CO
, Loan Officer: Tonya (TJ) Jenkins
TJ was super friendly, helpful and knowledgable.
12/16/2022 - Darlenne J CO
, Loan Officer: John Zanini
This is my second time working with John. John was great, always kept us informed, explain every step of the process.
12/15/2022 - Trevor P CO
, Loan Officer: Beth Anderson
Beth did a wonderful job of working with my realtor to get me a great deal and mortgage rate on a property that was properly suited to my needs. With a "motherly" quality, I really felt like she took me, a "first timer" under her wing and made sure that everything was clear to me through the entire process. She also did a great job making sure that I didn't miss any detail and not letting me procrastinate on time sensitive and important items (which I can do from time to time, admittedly). I can wholeheartedly say that I'd recommend her to family or friends. Also, a shoutout to Jessica Skidmore, she did a great job too! She was always friendly, responsive, and easy to work with. As I write this from my new home, I just want to give a big thanks to everyone!
12/10/2022 - Thomas T CO
, Loan Officer: KC Harney
KC was very professional in all aspects. Showed a real interest in getting the loan approved and funded. Communication was excellent.
12/10/2022 - Deborah K CO
, Loan Officer: Judy Jones
Excellent LO! Judy is great at anticipating the borrower’s “need to know”. She covers everything in such a way that all can understand. She is also VERY knowledgeable of all types of loans. It was a wonderful experience!
"Thank you for the review, Deb! I am blessed to be a part of the journey, thank you!"
12/09/2022 - Joelle R CO
, Loan Officer: Jeff Rickard
I am so grateful to Jeff’s support throughout this process. He was always available to answer my many questions and to explain the many nuances of securing a loan. He always made me feel valued and it was clear he had my best interest in mind. The process would have been so much more stressful without his guidance.
12/05/2022 - Douglas S CO
, Loan Officer: Tonya (TJ) Jenkins
Tonya (TJ) was excellent and knew her business. She was friendly yet very professional. She provided us with personal information and advised us as to what to do and what not to do. TJ was everything that one could ask for us.
12/05/2022 - Peter R CO
, Loan Officer: Paulette Wisch
We felt that Paulette D. Wisch was very professional and experienced in guiding us through this daunting process. She showed genuine interest in helping us make the best decisions for such an important financial decision that has long-term financial consequences in our lives. She was always punctual for the appointments and kept us informed throughout and we met the target dates to keep this process moving along for a satisfactory conclusion. We would not hesitate to recommend her to our family and friends and thank her for being honest and forthright in a complicated process.
12/05/2022 - Kelly M MT
, Loan Officer: Brian Hafner
Knowledgeable, professional and highly responsive. It was great working with Brian.
12/05/2022 - Lydia A CO
, Loan Officer: Sara Pipkin
Thanks Sara, you are phenomenal, my family and I ll always be indebted to you. We’ll be back ??????????
12/05/2022 - Sierra B MT
, Loan Officer: Brian Hafner
Brian and his team were exceptional and I mean that. They were extremely proactive in their communications and were always quick with a response. They worked well with our realtor and explained every step of the process in a way that we could understand! We used a mortgage broker for our first home and this purchase with Brian's team was leaps and bounds more enjoyable! I didn't realize when we chose him how highly rated he is. Looking back now it make sense- they've got their ducks in a row and are fantastic at their jobs! Won't use anyone else in the future!
12/04/2022 - Rochelle W IA
, Loan Officer: Lindsey Catherine Whitfield

Lindsey was amazing to work with from start to finish. Always available or called back quickly.
12/04/2022 - Eugene J CO
, Loan Officer: Sandy Levy
Very helpful with 1st time buyers. She went above and beyond make the process smooth.
12/04/2022 - Carla C CO
, Loan Officer: Marna Lynn Deines Desormeaux

Marna was absolutely fabulous during the whole process! She went above and beyond to help me navigate the loan process! She is professional, kind, and explains everything so that there is no question about the loan process in any way! Thank you so much!
12/01/2022 - Sarah S CO
, Loan Officer: Beth Anderson
Beth was absolutely fabulous! We had worked with a different lender initially, and switching to ULC and Beth meant we got our dream home!! Beth advocated for us and explained the entire process very well.
12/01/2022 - Ian S CO
, Loan Officer: Elizabeth Turra
Elizabeth, you are a wonderful asset for this process and for my financial planning. I am beyond fortunate to continue to work with you.
12/01/2022 - Kevin W CO
, Loan Officer: Sandy Levy
She is the BEST! Very thorough and always kept me in the know about everything
10/13/2022 - Felisha M. CO
, Loan Officer: Jordan Miller
Jordan was amazing! She answered all our questions and was very informative of the process. She made the process feel so stress-free and smooth! We will definitely be referring Jordan to our family and friends!
10/13/2022 - Jack D. CO
, Loan Officer: Jodianne Mentus
Jodianne is great. She was very communicative through the whole process and was clearly invested in helping us have the smoothest, best experience possible. Despite a few challenges along the way on our end (not ULC or Jodianne's fault), she worked with us to ensure the process continued along smoothly. Thanks, Jodianne!
10/13/2022 - Lauryn E. CO
, Loan Officer: Rod McLean
Rod was amazing at answering all my questions. He was available whenever I needed to talk to him. He walked me through each process with detailed explanation on the steps. He is always responsive. He was the best! :)
10/09/2022 - Lisa P. CO
, Loan Officer: Mike Pike
I have worked with Mike for all of my home purchase/refinancing needs since 2001 and feel very confident in his expertise and customer service. I have never used any other lender or company for a purchase or refinance, and also refer him out to friends, family, and clients.
10/08/2022 - Christopher G. CO
, Loan Officer: Tonya (TJ) Jenkins
Tonya was amazing through the whole process. Her and Andie answered any question I had and kept me informed on the process. I would absolutely choose to do this again through Universal Lending.
10/06/2022 - Francesca P. CO
, Loan Officer: Nicky Hungerford
Nichole Ann Hungerford was the reason I returned to Universal Lending for our home loan. The level of service and responsiveness she provides is outstanding. We truly appreciated her insights and assistance throughout the process.
10/06/2022 - Leigha K. CO
, Loan Officer: Elizabeth Turra
Elizabeth was very helpful durring my loan process, my first loan was not able to go through due to complications outside my control, but Elizabeth was able to find a way to process my loan so that I could purchase my first home. I really appreciate her help and communication with me through the process. She was ble to use most of the documents I had send my other lender, so it went very fast.
10/05/2022 - Cassandra M. CO
, Loan Officer: Elizabeth Turra
We love Elizabeth! She takes the time to make sure you are completely comfortable and understand all the peices involved. We have used her and Universal Lending a couple of times and have referred Elizabeth several times. Her and Jessica were rockstars at communicating and keeping things on track! They were ready to go a week before our closing date! And we're able to pivot quickly when the buyer of our current home needed extra time on their end. So smooth and easy to work with!
10/04/2022 - Kym L. CO
, Loan Officer: Marna Lynn Deines Desormeaux

Marna is amazing! She has helped me through two different home purchases and her customer service is night and day different from any other home buying experience I have had. I won't even shop around as I just trust her so much. The home buying process can be stressful and Marna does such a great job communicating and supporting her buyers that the stress is minimized. She is extraordinary.
10/01/2022 - Terri H. CO
, Loan Officer: Rob Murray

Rob and his team were wonderful to work with. They were always available to answer any questions I had. The process went by smoothly. I would definitely refer Rob Murray and Universal Lending Corp. to friends and family.
09/28/2022 - Carla M. CO
, Loan Officer: Brenda Yvette Aerts

Brenda was amazing. She took the time to explain terms in a way that made sense to me. She always made sure all my questions were answered. I appreciate her expertise! I can't imagine working with anyone else.
09/27/2022 - Dominic L. CO
, Loan Officer: Steve Hacala
Great team and very attentive and patient
09/27/2022 - Emily H. CO
, Loan Officer: Kurt Reinhardt
Kurt is amazing and is always 10 steps ahead. He sees every possibility and knows how to protect my interests.
09/24/2022 - Sui K. TX
, Loan Officer: Cathy Erickson
Mrs. Cathy Lynn Erickson is very good she is kind, nice she did everything perfect she help me on everything i appreciate it.she's so good she's the best??.
09/22/2022 - Matthew K. CO
, Loan Officer: Leanne Merciez
LeAnne was incredible throughout the entire process, especially with navigating some bumps in the road that arose and were beyond her control.
09/19/2022 - John H. CO
, Loan Officer: Robert Patrick Smith

Bob was on top of the situation from our introduction all the way to closing. More often than not he anticipated questions before I asked them, but when I did, he was quick to either answer or find out the answer. As long as he is in the mortgage business, I will come back to work with him if I need something mortgage-related.
09/17/2022 - James S. WY
, Loan Officer: Marna Lynn Deines Desormeaux

We have worked with Marna for 2 loans, both times very good experience. She is very knowledgeable and I trust she will always work in my best interest. I will highly recommend her to others for financing.
09/15/2022 - Britt L. CO
, Loan Officer: Kim L Martin

Kim was a true partner throughout the home buying and loan application process. We are first time buyers and Kim made herself available to answer any questions we had and really took the time to help us understand the process. On the financing side, she worked with us to get the best deal possible in a challenging market. She was an asset to us throughout the process and we highly recommend her to future homebuyers.
09/15/2022 - Robert P. CO
, Loan Officer: Robert Patrick Smith

Bob definitely deserves a raise time and time again. 2/3 loans I've had I called up Bob without even thinking to look elsewhere. my 1st loan, i didnt know him at the time so that dont count, but now that I do, he's going on speed dial as soon as I fall into vast loads of money for more houses! one of my aunts is a realtor and has her list of contacts for loan officers and friends and whatnot, but I still go with Bob! So i think that really says what's up.
09/09/2022 - D'Ann C. CO
, Loan Officer: Nancy Fridstein
Nancy Fridstein was exceptional. From start to finish, she provided exceptional guidance, direction, clear requests, accurate information, education, and support to the process, and all I agreed to do. I felt like aa known client, not just a number. I will highly recommend her in the future to anyone I know who is looking to refinance or purchase a home.
09/09/2022 - Jordan S. CO
, Loan Officer: Jeff Rickard
Jeff Rickard is awesome, he is so knowledgeable and helps you every step of the way. I highly recommend working with Jeff!
09/09/2022 - Macayli M. MT
, Loan Officer: Brian Hafner
Brian did an excellent job answering my questions throughout the entire process. He was very knowledgeable and personable and really helped make the home buying process easier than I could have hoped for!
09/08/2022 - Elizabeth M. CO
, Loan Officer: Kim L Martin

Honestly Kim Martin provided services that went above and way beyond what was expected. She was available outside business hours. My loan process happened to fall while I was on a road trip and Kim texted me every time I had to complete a step as she knew it was hard to monitor email. And when there were bumps in the process she worked hard to address them quickly. It was the best experience I have had through a home purchase.
09/02/2022 - Matthew H. CO
, Loan Officer: Marna Lynn Deines Desormeaux

She was genuine and great. Loved working with her.
08/30/2022 - Stefanie C. CO
, Loan Officer: Marcellas Proctor

Majority of the process was great! Marcellas rocks he was always available and always had an answer for me. The underwriting team needs some improvement. I provided all of the documents and they didn't read so I had to write down specifics with page numbers and dates. I felt like I did their job for them.
08/30/2022 - Rachael D. CO
, Loan Officer: John Zanini
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!!
08/30/2022 - Tara B. CO
, Loan Officer: Tonya (TJ) Jenkins
TJ was incredible attentive throughout this process. She checked in on me regularly prior to us finding a property to get any updates. Her responsiveness was always very quick and professional. I enjoyed working with her very much!
08/30/2022 - Paul P. CO
, Loan Officer: Marna Lynn Deines Desormeaux

Marna was fantastic to work with! She helped guide us through the whole process, got to know our whole family, and worked hard to get us the best loan possible. We're so grateful that our realtor recommended her!
08/30/2022 - Richard E. CO
, Loan Officer: Laurel Wells

Outstanding work ethics and went out of her way to make things go smoothly and helped me understand things as i was learning with great one on one communication.
08/26/2022 - John P. CO
, Loan Officer: Lisa Lessard
Lisa and her folks did a wonderful job and made this - my first home purchase - pleasant and easy. Thanks!
08/26/2022 - Salim L. CO
, Loan Officer: Christopher Michael Murray

Chris was very helpful in arranging the mortgage in a quick timeline and we were able to close within 3 weeks of the offer! Everything was communicated to us so we knew the status of the application. Would happily apply for another mortgage through Universal Lending Corporation and work with Chris and Chrissy in the future!
08/24/2022 - Jessica T. MT
, Loan Officer: Brian Hafner
Thank you Brian and team for the excellent work. The closing costs were less than expected and everything went so smoothly! You all ROCK!! :)
08/23/2022 - James S. CO
, Loan Officer: Paulette Wisch
I want to thank Paulette for all her help. I feel she went out of her way to help us
08/18/2022 - Marcus W. CO
, Loan Officer: Heather Dirschl
Simply perfection
08/16/2022 - Michael S. CO
, Loan Officer: Vanessa McLennan

I can't imagine working with a more professional, knowledgeable, assessable, dedicated and hard driven person. Vanessa was excellent from start to finish. There were a ton of moving pieces trying to get my loan finalized and she worked diligently and gracefully through any change or obstacle that came up. That goes for Shari as well. Both were fantastic at what they do and I'm so lucky to have been referred to them.
08/12/2022 - David S. CO
, Loan Officer: Brett Thomas Popish

Brett popish was so easy to work with and Extremely knowledgeable. He Kept us informed on every step before hand and kept us updated on everything. response time was amazing from start to finish. This is our second time working with brett , and in the future when we're ready for our forever home , we know exactly who we are going to. Thank you for everything!
08/10/2022 - Brett B. CO
, Loan Officer: Jim Smith
Jim made the process very easy. Jim communicated with me very quickly through out the process, and got me the best closing interest rate considering the current real estate market. Thank you, Jim !!!
08/09/2022 - Joyce G. CO
, Loan Officer: Elizabeth Turra
We are extremely pleased with the service provided by Elizabeth and ULC. The process was seamless and Elizabeth was quick to answer questions and even provided a fantastic resource for insurance. We were also pleased with how well Elizabeth and our realtor worked together to handle items without us needing to be involved.
08/09/2022 - Clorissa R. CO
, Loan Officer: Sara Pipkin
Words cannot even begin to explain how amazing and kind, and patient, and knowledgeable Sara was with me!!! I am a first time home buyer who knew absolutely nothing about the process or if I'd even be able to do this, but Sara was nothing short of amazing! She explained everything as many times as I needed, she went above and beyond to help me figure this thing out! I couldn't have done it without her and I would recommend her to anyone! She's a real MVP!! Thanks a MILLION Sara!!!!!!!
08/09/2022 - Amy K. CO
, Loan Officer: Elizabeth Turra
Both Elizabeth and Jessica were great. Very responsive and easy to work with. The web tool showing various loan options was great; the first time I've gotten something like that.
08/07/2022 - Quinn O. CO
, Loan Officer: Tyler Deines

Tyler was fantastic. Professional, thorough, patient, accessible, communication was great, timely, etc. Absolute pleasure to work with.
08/07/2022 - Robin K. MT
, Loan Officer: Trina Wood
From the pre-approval letter to the final closing, Trina, Ashley and the rest of the team did a fantastic job communicating with me and made the process very simple. I highly recommend anyone looking for financing to use Universal Lending and the Trina Besel-Wood team.
08/05/2022 - Ashley S. MT
, Loan Officer: Brian Hafner
I am very thankful to have had the opportunity to work with everyone at Universal Lending. They helped make the process easier than I thought it was going to be.
08/05/2022 - Pamela B. CO
, Loan Officer: Judy Jones
If I was on social media, I would definately comment on how great Judy Jones and Universal Lending was to work with and Judy's knowledge of interest rates, changing markets, best lenders for me, documents needed, what was happening in the loan process everystep of the way: She was superior in her work. She was always on top of everything I needed to do and provided help whenever I needed it. Judy's crew were awesome, kind, helpful, and expediant in everything they did, very professional. Thank you Judy Jones, Sean Wolf, Loan Setup Coordination Department, Appraisal Department, and all the other people invoved. I was impressed with the entire process.
08/03/2022 - Diane B. IA
, Loan Officer: Lindsey Catherine Whitfield

Universal Lending Corporations provided excellent service to me through the home buying process. Lindsey answered all my questions promptly. Lindsey kept me informed along the whole process. I would use them again. Diane
08/02/2022 - Jamie R. MT
, Loan Officer: Brian Hafner
Brian is very knowledgeable and patient. He helped me understand the value of owning again and made me feel comfortable and informed during the whole process.
07/27/2022 - Kristen E. CO
, Loan Officer: Alisa Anderson
Alisa was amazing to work with. She was always on top of things, and answered all my questions in a timely manner. I don't think I could have asked for anyone better for my first home buying experience.
07/26/2022 - Danielle H. CO
, Loan Officer: Brett Thomas Popish

Brett was amazing especially taking the time and patience to answer all my questions.
07/23/2022 - Frank D. MT
, Loan Officer: Brian Hafner
Brian was great to work with.
07/21/2022 - Loren G. CO
, Loan Officer: Robert Patrick Smith

Bob was great
07/21/2022 - Sandy S. CO
, Loan Officer: Brett Thomas Popish

Brett and his team have closed on two home loans for me within the last year and I cannot speak highly enough of the professionalism and attentiveness I received throughout the entire process. Any questions I had were thoroughly explained and I was kept in the loop daily. I could not imagine going through this process using any other lender. Thank you guys.
07/21/2022 - Scott W. MT
, Loan Officer: Doug Spence
Doug works hard to get the best deal he can can for the customer, and Lori, Sylvia, Laura, and all the people that I spoke with made it happen ..... thanks guys
07/21/2022 - Kristine F. CO
, Loan Officer: Sarah Woods
Sarah processed my loan very quickly and answered my questions. Sometimes when she communicated with me via text, it wasn't totally clear what she was trying to convey and it would have been more effective if she called me.
07/18/2022 - Marjorie S. CO
, Loan Officer: Paulette Wisch
Paulette is extremely knowledgeable and professional. Delight to work with.
07/15/2022 - Jennifer V. CO
, Loan Officer: Deborah Ryan Seeber

Deb was phenomenal to work with. My situation was very different and ended up being much more complex than it should have been (due to outside forces). She worked with diligence, compassion, empathy, kindness, and professionalism. Deb exhausted all options and left no stone unturned to help this newly single mama refinance, and helped me do it with no co-signer or anything???my house is solely mine. She was so amazing, communicating above and beyond what is expected!
07/14/2022 - Kaeylarae C. MT
, Loan Officer: Tawna Leonard
Tawna Leonard was very attentive and made sure we were always in the know about our loan process. She would take calls at all hours. Always with a friendly, bright attitude; always ready with the answers. We would absolutely recommend Tawna to anyone looking to buy a house.
07/13/2022 - Alexis L. IA
, Loan Officer: Lindsey Catherine Whitfield

Lindsey was amazing at working with me and always helping me and keeping me updated along the way
07/12/2022 - Bidur D. CO
, Loan Officer: Tyler Deines

Tyler has been very kind, helpful , thorough ,wise and coherent throughout the process .We cannot think of anyone to work with for our house purchase. Thank you so much!
07/08/2022 - Anthony C. CO
, Loan Officer: Lisa Lessard
Awesome. Great job. Never had a house purchase gone so smoothly. Thank you.
07/06/2022 - Douglas M. CO
, Loan Officer: Heather Dirschl
I would highly recommend Heather for helping anyone through what can be a confusing and challenging experience. She is a great communicator and really helped me stay grounded throughout the process.
07/06/2022 - Irene C. CO
, Loan Officer: Doni Dolfinger
Doni was wonderful! She made me feel very confident in doing my reverse mortgage. She answered every question I had thoroughly and went through all the paperwork making sure I sure I felt comfortable. She returned all my calls at any hour or emailed promptly. She was such a joy to work with made me feel like we'd known each other forever! Thank you Doni for being so professional and yet so caring, you made this process painless for me!
07/05/2022 - Heath S. CO
, Loan Officer: Sarah Woods
Sarah did amazing. With me every step of the way. I caught the interest rates as they were starting to raise, so that's the only thing that made this process hard. I wish I could have locked in a rate sooner once I knew I was going to make a purchase. That's just a wish, I don't believe that your team could have done anything differently
07/05/2022 - Carla P. CO
, Loan Officer: Cheryl Braunschweiger
I had worker with Cheryl Braunschweiger before and only wanted to work with her so when I found out she moved to a different company, I tracked her down. Cheryl is the most kindest and very knowledgeable person, she cares how the her clients are doing and feeling through the whole process. I already gave her information to other that are looking to buy. I trusted her in the past with my other purchase and still trust her with my current home purchase. Cheryl is the Greatest Person that I have been fortunate to work with.
07/02/2022 - Lisa N. CO
, Loan Officer: Rick Smith
Rick Smith provided excellent service in the processing of my recent mortgage. Rick is very professional and knowledgeable about the entire process. My experience was phenomenal.
07/01/2022 - Dylan M. MT
, Loan Officer: Brian Hafner
He was very informative and easy to work with. He was good at getting back to me about my questions in a quick manner.
07/01/2022 - Brian K. TX
, Loan Officer: Elizabeth Turra
Elizabeth Ann Turra was exceptional and very helpful in our process. I would definitely work with her again. And also recommend her for others.
06/29/2022 - Robert F. CO
, Loan Officer: Elizabeth Turra
Elizabeth was ver pleasant and well prepared.
06/29/2022 - Matthew W. CO
, Loan Officer: Frank Mearsha

Frank Mearsha was fantastic- a good communicator and very knowledgeable. He listened to my needs and made them happen. I'm very pleased!
06/28/2022 - Grant S. CO
, Loan Officer: Kurt Reinhardt
Kurt was amazing to work with. He is very thorough and knowledgable and tries to simplify where possible.
06/28/2022 - Abigail B. CO
, Loan Officer: Vanessa McLennan

Vanessa was very easy to work with. She answered all of my questions and worked diligently the entire time. She is polite and informative and cleared up any confusion I had. I was lucky to have her during this process.
06/22/2022 - Elmer M. CO
, Loan Officer: Paulette Wisch
Would not be hesitant to refer her to a friend or work with her again. I THINK SHE IS A REAL ASSET TO UNIVERSAL.
06/16/2022 - Mark W. CO
, Loan Officer: Jeff Rickard
Jeff Rickard was always readily available by phone or text to answer all our questions that arose during the loan process. He performed a thorough search for the best type of loan for our situation and sought the best rate for the loan we decided to secure. He provided a detailed list of documentation to make our loan application process as seamless as possible. we certainly will recommend others for his services or use him at a later date if we require a new loan or refi. Please pass on our many thanks!
06/16/2022 - Dirk N. CO
, Loan Officer: Paulette Wisch
She did a good job for us. The underwriter keep having delays(maybe due to the market or?).
06/15/2022 - Betty F. CO
, Loan Officer: Robert Patrick Smith

Robert Patrick was always professional, and more importantly, knowledgeable about every aspect of the loan process and keeping us informed at every necessary section and in dealing with our requests for information we may not have understood. We have had multiple loans and refinances with Robert Patrick and have always been impressed with his performance of his duties and ease of completing of all tasks while being incredibly professional and personable.
06/13/2022 -
, Loan Officer: Scott Adams

The transaction was seamless and Scott was incredibly easy to work with!!
06/12/2022 - Julie N. CO
, Loan Officer: Jason R Doughty

Jason was highly knowledgeable throughout the process. He was very patient with us and available when we had questions about anything. He was great to work with and would definitely work with him again.
06/10/2022 - Joshua C. CO
, Loan Officer: Jason R Doughty

Jason was great, very professional, available to answer any questions. Jason help with every aspect of this process. I will recommend Jason to any one looking to for help though the lending process to buy a home.
06/09/2022 - Jacob L. CO
, Loan Officer: KC Harney
Thank you for everything KC.
06/07/2022 - Michael U. CO
, Loan Officer: Christopher Michael Murray

Chris and his team did an amazing job, very attentive and extremely knowledgeable. I would gladly work with Chris and his team again!
06/07/2022 - Erin B. CO
, Loan Officer: Elizabeth Turra
Elizabeth and her assistant Jessica Skidmore were so helpful during this entire process! Their expertise and professionalism helped guide us from the beginning of the application process, all the way up until the day of closing. They worked closely with my realtor and helped overcome any obstacles that came our way. We really felt like we had a solid team around us getting us to the finish line! We will definitely recommend Universal Lending to our family friends, more importantly Elizabeth and Jessica! They're the best! Thank you from Erin and Brian!
06/01/2022 - Russell A. CO
, Loan Officer: Cathy Erickson
Cathy was amazing. Could not have asked for any better. She made it easy for me and worked very hard on my behalf. Best I have ever worked with.
06/01/2022 - David D. CO
, Loan Officer: Elizabeth Turra
Elizabeth was very easy to work with and provided a great overview of the process. She recommended an approach to make sure we were as competitive as we could be when submitting an offer and she was able to get everything arranged to approve the loan and close within a shorter closing window. Highly recommend Elizabeth and her team for communication along the way, professionalism, and understanding of the process.
06/01/2022 - Cherree H. CO
, Loan Officer: Debbie Allenbaugh
Give this woman some wings and a wand, she's like the fairy godmother of mortgages! I was in a real pickle, serious time crunch, but she made it happen. She has the voice of an angel with a disposition to match.
06/01/2022 - Jonathan H. CO
, Loan Officer: Sandy Levy
Sandy & Kevin where amazing & kind. They helped me with whatever information I needed and aided with getting me into a home after 3 years of searching. ULC is awesome and thank you so much for the hand up in life.
06/01/2022 - Danielle A. CO
, Loan Officer: Kurt McGary
Kurt was great! We contacted several lenders. He was the quickest and most thorough. He provided updates all the time, and was always available for questions. Definitely, definitely loved working with Kurt.
05/31/2022 - Tim H. CO
, Loan Officer: Kelli Anne Strott

Kelli is the absolute best to work with!!!
05/31/2022 - Kasi S. CO
, Loan Officer: Sandy Levy
Sandy has processed three loans for us. Each time, she has explained items thoroughly and been efficient with processing. This last round she went above and beyond to secure an interest rate comparable to a competitor.
05/26/2022 - Tracie G. CO
, Loan Officer: KC Harney
KC os great. Day or night he was available for any questions and helped me with an atypical request. He is the reason I use ULC.
05/26/2022 - Clifford R. CO
, Loan Officer: Tammy Dress
Tammy was beyond helpful! She dug deep she ran hard she jumped fast and high for goals and we achieved them to the maximum! I love how much she was being veru informational. She had videos, images, blogs, newsletters the lists goes on with all the information needed for all of your questions! Thank you Tammy and the thank you to her team!!! You guys did great!
05/25/2022 - Darlene H. CO
, Loan Officer: Sandy Levy
I cannot say enough good things about working with Sandra Campbell at Universal Lending Corporation. She was extremely knowledgeable in loan requirements and had excellent communication skills! She answered all my questions in a very timely manner and her answers were very clear. I highly recommend Sandra for your loan officer!
05/25/2022 - Aida G. CO
, Loan Officer: Christopher Michael Murray

Great experience
05/25/2022 - Christine S. CO
, Loan Officer: Brenda Yvette Aerts

Although she was in Denver, nearly 3 hours drive away, she prepped us entirely for the closing. We were an unusual sale, (Mother and adult Son purchasers),Brenda was totally onboard to answer questions and worked toward a smooth buying process. Five stars ?? ???????? for Brenda!
05/25/2022 - Dylan R. MT
, Loan Officer: Brian Hafner
We were very pleased with Brian and his team at Universal Lending Corporation. They went above and beyond for us with their services and professionalism. This was our first home, so we had a lot of questions and they were able to answer them in a simple way, to where we were able to understand the ins and outs of getting a mortgage loan. We will be using them in the future and I highly recommend them for anybody looking for a mortgage lender. We can not thank them enough for everything they did for us.
05/25/2022 - Suzanne L. CO
, Loan Officer: Vanessa McLennan

Thank you Vanessa!
05/25/2022 - Edwin B. CO
, Loan Officer: Doni Dolfinger
Donnita Dean Dolfinger is the only reason I went with her and the company. She is probably the most caring, knowledgable respresentative I ever met.
05/24/2022 - Todd G. CO
, Loan Officer: Christopher Michael Murray

Chris and his team were always easy to get in contact with and made the application process easy.
05/21/2022 - Neil S. CO
, Loan Officer: Krissy Watson

Krissy was Fantastic to work with
05/18/2022 - Yvonne Y. CO
, Loan Officer: Brett Thomas Popish

Brett was Amazing! He was on top of the process and made sure I knew what to expect. I would recommend Brett and Universal Lending!
05/18/2022 - Colleen L. CO
, Loan Officer: Sandy Levy
Sandy did an amazing job with my loan. She answered all my questions big or small. Provided timely updates and made sure I was aware any pending matters. She made sure all pending concerns were addressed prior to closing.
05/17/2022 - Erin S. CO
, Loan Officer: Jeff Laws
Jeff was a fantastic partner throughout my entire lending process. As a first time homebuyer, he made this daunting undertaking very manageable for me and his knowledgeability and expertise put me at ease from beginning to end. I always felt like I was in good hands and definitely recommend him to others looking to buy!
05/17/2022 - Lisa H. CO
, Loan Officer: Jeff Rickard
Jeff has always been very professional and courtesy. The gentleman that came and closed with me was also professional and courtesy.
05/17/2022 - Rick T. CO
, Loan Officer: Kelley Sanders
Kelley was great to work with! She was always willing to answer any questions we had and responded to us in a very timely manner. She is a true professional. It was a great experience working with Kelley. Thank you!
05/12/2022 - Jeremy W. CO
, Loan Officer: Jim Smith
Jim is the best mortgage lender I know. I don't even shop because Jim takes such great care of me. He's a relationship lender and focuses on the short and long term. I value Jim's advice and know he's always got my best interests in mind.
05/11/2022 - Jennie B. CO
, Loan Officer: Brett Thomas Popish

Brett and Laura were excellent about answering my questions/concerns. They got back with me very quickly. I will definitely use them again should I buy another home in the future. Definitely will refer them to anyone needing a home loan as well.
05/11/2022 - Theresa H. CO
, Loan Officer: Kim L Martin

I loved my experience with Kim Martin. She was very responsive when I had questions about anything. Very easy to reach when I needed to.
05/07/2022 - Dawn C. IA
, Loan Officer: Lindsey Catherine Whitfield

She was very helpful.
05/06/2022 - Todd B. CO
, Loan Officer: Elizabeth Turra
Thank you Elizabeth for helping meet my refinance needs. You were always on point with what I needed and followed through with meeting those requirements. Looking forward to our next transaction.
05/06/2022 - Christopher P. CO
, Loan Officer: Judy Jones
Throughout the entire process, which began with a refinance discovery in 2021 and ended with a home purchase, Judy was patient, knowledgeable, communicative, and simply kind. We are extremely grateful for the care, attention, time, and gratitude Judy showed to us throughout our home buying process. Thank you!
05/06/2022 - Kenneth H. CO
, Loan Officer: Kelley Sanders
Kelley was great. The only complaint we would have is that we were planning to buy down more points for the interest rate than what we were planning on. We found this out after we put in an offer. Fortunately, we had enough capitol to cover that adjustment needed. This is something that has never come up in Kelley's experience, so we all learned together.
05/06/2022 - Jillian T. CO
, Loan Officer: Mike Pike
Mike was great at working with me through the process. Home buying felt overwhelming at first but Mike outlined steps along the way and expressed encouragement that we can do this and we did :)
05/05/2022 - Eric S. CO
, Loan Officer: Vanessa McLennan

Vanessa is absolutely amazing! She is discreet, thorough, dedicated, fast, accurate, and her personal attachment and investment in her clients is apparent. (She dropped what she was doing in her personal life and raced home to lock our interest rate with 10 min to spare before end of business day RIGHT before the interest rates took a massive jump up!) Her knowledge is extensive and I ask a lot of questions and was able to have a complete understanding of what was going on, plus I have good information for things I can do in the future for the next time I call and have Vanessa work on a project with me. She made the whole experience seem less of a client/ lender relationship and more like a partnership. She has our loyalty for the duration of her career.
05/04/2022 - Wendy Q. CO
, Loan Officer: Mel Hansen
Wow oh wow what can I say about Mel. She's amazing! She really did answer emails, all the time. She explained what was happening and she was amazing! You guys are so lucky to have Mel working for you, she went above and beyond for me, even with minor set backs. Thank you Mel with all my heart!!
05/03/2022 - Renee P. CO
, Loan Officer: Doni Dolfinger
Ms. Dolfinger was more than incredibly professional and knowledgeable, but friendly and easy to work with.
05/03/2022 - John M. CO
, Loan Officer: Jim Smith
Jim was fantastic! I loved the extra time he took to make videos explaining things and going over multiple options. He was always responsive, and often seemed to be working day and night for us. Thanks so much!!!!!
05/03/2022 - Mayumi F. CO
, Loan Officer: Sandy Levy
My wife and I had an interesting experience with our refinancing process. She's overseas and I'm stateside. Factoring the time difference the process for our refinancing was different -- to put it mildly. Putting a plethora of paperwork together -- was no easy task. That being said, our loan officer Sandra Levy at Universal Lending did her utmost to ensure that we got the necessary papers and the process to the finish line. Sandy, is imbued with integrity; is also honest and the consummate professional. I would recommend her to friends and acquaintances -- or anyone else shopping for a mortgage/refinance. With sincere thanks, Eric, Denver
05/03/2022 - Samantha J. CO
, Loan Officer: Claudia Lopez
I cannot speak highly enough of Claudia???her expertise and professionalism vastly exceeded my expectations and our mortgage financing was the smoothest part of our homebuying process! She answered all of our questions, was incredibly responsive, and presented information in a thorough and manageable manner. I've already recommended Claudia and Universal Lending and am happy to continue to do so.
04/30/2022 - Forrest F. CO
, Loan Officer: Kim L Martin

Kim did an outstanding job as part of the team in helping us secure our house and close the deal. She was busy and out of town for a critical part where I would have liked more information on financing options, but under the circumstances believe she did an outstanding job overall.
04/30/2022 - Carolyn I. CO
, Loan Officer: Corinne Kay DeHerrera

She was great. Quick to respond and always ready to help
04/30/2022 - Marcel L. CO
, Loan Officer: Nicky Hungerford
Nicky and her team were exceptional in every way. Communication was great, every email was followed up with a phone call text or both. Our loan was cleared to close well before our contract deadline. Most professional mortgage experience I have ever had.
04/28/2022 - Cheryl S. CO
, Loan Officer: Judy Jones
Judy is wonderful to work with! I have worked with her in the past and have recommended her to a friend. She's very conscientious about every step she takes and is pleasant to work with. She's the only one I will ever work with.
04/27/2022 - Karen H. CO
, Loan Officer: Paulette Wisch
Paulette is very professional and extremely knowledgeable of her products. She discussed my goals and helped me determine the best process. I feel my future financial goals will be met.
04/27/2022 - Kevin S. CO
, Loan Officer: Christopher Michael Murray

Chris and his team are PROS. We will use them again for future real estate purchases.
04/27/2022 - Richard W. CO
, Loan Officer: KC Harney
KC Harney did a great job to keep us informed during our loan process. He was always available and answered all questions immediately. Everything went as expected with no delays. Would definitely recommend using KC For lending needs in the future.
04/26/2022 - Anginet P. CO
, Loan Officer: Debbie Allenbaugh
Debbie made me feel comfortable from the moment we first met. She provided step by step details about the process, and was there to answer questions along the way. Highly recommended.
04/26/2022 - Boyd S. CO
, Loan Officer: John Zanini
I have used John Z for the last few purchases. I have never called or used anyone else. He is awesome
04/26/2022 - Donald P. CO
, Loan Officer: Tyler Deines

Tyler is very good at keeping in communication without being overbearing.
04/21/2022 - Joseph B. CO
, Loan Officer: Paulette Wisch
easy to understand and work with
04/21/2022 - Theresa M. CO
, Loan Officer: Kim L Martin

Kim Martin was the best mortgage broker we've ever worked with. She was extremely helpful and went above and beyond to get us through the process. She was extremely patient, kind and professional.
04/20/2022 - Ashli R. CO
, Loan Officer: Claudia Lopez
Claudia was awesome through the whole process. She was super responsive even outside regular business hours and appreciate everything that she did for me to make owning a home possible
04/20/2022 - Sara D. CO
, Loan Officer: Vanessa McLennan

My original lender told me I needed to get a back-up lender because he wasn't sure his company could secure my loan quickly enough for the fast-moving Denver market. Vanessa saved the day! Working with her was the smoothest, easiest experience I have ever had in home buying. Vanessa is smart, efficient, knowledgeable, competent, and extremely pleasant to work with on top of all of that. I cannot recommend her highly enough. Will definitely use her again if I need to in the future and will refer all my friends as well!
04/20/2022 - Anthony N. CO
, Loan Officer: Jason R Doughty

Phenomenal to work with and incredibly educational experience. Jason was extremely easy to work with and was able to educate me on the process while understanding my expectations.
04/20/2022 - M. R. CO
, Loan Officer: Paulette Wisch
Paulette D. Wisch is the very best financial individual that I have ever worked with. She made everything easy for me. She is extremely personable, kind and considerate.
04/19/2022 - Casey B. CO
, Loan Officer: Debbie Allenbaugh
No thanks. Give them 10 stars....
04/19/2022 - Kyle W. CO
, Loan Officer: Jenna Nicole Swanson

Jenna and Lianne were great!! Thanks so much to both!
04/19/2022 - Ronda K. CO
, Loan Officer: Kim L Martin

Loved working with Kim and Shari. The process went great and they kept me informed the entire time.
04/19/2022 - McKensie D. CO
, Loan Officer: Rick Smith
Rick is amazing! His customer service, breadth of knowledge, availability, and willingness to be flexible or thing outside the box was both valued and appreciated.
04/18/2022 - Georgann H. CO
, Loan Officer: Taylor Anderson

Taylor was very personable and very knowledgeable. She provided me with all the information I asked for and was always available to answer my questions. I got Lucky to have her as my lending agent!
04/17/2022 - Richard B. CO
, Loan Officer: Debbie Allenbaugh
Debbie Allenbaugh is the standard that all loan originators should be held accountable to! She is by far the most incredible person to be in this position. From the moment I began the process right through the closing she was there???anytime I had a question, she was there, by phone or email. I had stopped by the office one day (scheduled) to drop off some documents, and Debbie asked if I had some time to go over some things and after 30 minutes she had pretty much completed everything I needed to do for closing with the exception of the appraisal. Debbie is not only highly efficient within her position, she also very personable and easy to talk to. Debbie responds to questions with answers that are understandable and thorough. I could not have asked for a better loan partner!
04/15/2022 - Jean W. CO
, Loan Officer: Heather Dirschl
My experience in the loan process, from beginning to end with Heather Dirschl, and Universal Lending, was excellent. Thank you !!
04/15/2022 - Deborah W. CO
, Loan Officer: Joy Homewood
Joy Homewood did a fabulous job as my lender. She was very knowledgeable and willing to answer my questions and provide options and advice. She kept me informed through the entire process and was available when I asked for documents outside normal business hours. I am so glad that my realtor recommended Joy to me and that I worked with her.
04/13/2022 - Todd D. CO
, Loan Officer: Sara Pipkin
Sara was awesome! I really appreciate her hard work and communication.
04/13/2022 - Lisa C. CO
, Loan Officer: Kim L Martin

Kim was very attentive, responsive and understanding of our specific needs. She is clearly an expert in her field and was very respectful of our needs as her customers. We were delighted to work with her and would definitely refer her to friends!
04/12/2022 - Travis S. CO
, Loan Officer: Christopher L. Lovio

Chris was extremely helpful in explaining the financial aspect of buying a home and answering any questions I had. As it was my first home purchase I was not very familiar with the process other than seeing my friends and family go through it. With that Chris took the time to reach out and make sure I was very informed and pass on a lot of knowledge of what the home buying process looks like from a financial stand point. I would highly recommend him for anyone looking to purchase a home that is unfamiliar to the process.
04/12/2022 - Cherri C. CO
, Loan Officer: Jeff Laws
Jeffery was exactly what I needed being a 1st time mortgage applicant and knowing nothing about the process. After talking to many lenders, who all led me astray- Jeffery came along and made the process seamless for me to buy my mom's house from the estate made it possible. I was very pleased with this whole process and am thankful to Jeff and UL for making it happen!!
04/10/2022 - Nicole S. CO
, Loan Officer: Tyler Deines

Tyler was professional, efficient, helpful, and personable. I thoroughly enjoyed working with him, and trusted him the entire process. He spoke honestly about what to expect and how to move forward in all areas. He explained all the various aspects of how the loan process works, and made it feel manageable. I would definitely work with Tyler again!
04/07/2022 - Ericka G. CO
, Loan Officer: Joel Houwer
It was a pleasure to work with Mr. Houwer. He is caring and patient. He is a man of his word. I believe that he wanted the best for me and he worked for it. He is genuine. He made this process easy and stress free for me during a very busy and difficult time.
04/07/2022 - Rebecca R. CO
, Loan Officer: Christopher Michael Murray

We had a great experience working with Chris! He was very friendly and informative. There were a few times when we had to follow up with Chris and his team with questions, and they responded promptly and were helpful. We were first time homebuyers going through this process and were new to doing literally all of this, so we appreciated Chris' insight and willingness to help out.
04/07/2022 - Brent B. CO
, Loan Officer: John Zanini
John is the best! He always kept us informed of the whole process. Call, text. Won't use anyone else.
04/05/2022 - Bradley S. CO
, Loan Officer: Debbie Allenbaugh
Debbi is great and would use her again. Thank You
04/05/2022 - Angela F. MT
, Loan Officer: Trina Wood
I love Trina... she's AMAZING! She is so knowledgeable and personable...I completely trusted her. I would recommend her to anyone - she's absolutely one of a kind! (And definitely someone I could hang out with, lol). Thank you!
04/05/2022 - Jennifer D. CO
, Loan Officer: Kurt Reinhardt
Kurt was amazing! He always answered my questions in a timely manner and kept me updated throughout the process. The experience went smoothly and as described in detail by Kurt. I felt like I received VIP treatment during the entire process!
04/03/2022 - Donna I. CO
, Loan Officer: LauraJean McBride

Laura Jean McBride was wonderful to work with - she answered all my questions, was always responsive right away to my phone calls or texts and she helped me immensely in obtaining necessary documentation via pdf files - (I am not at all tech savy).
04/02/2022 - Kurt M. CO
, Loan Officer: Jodianne Mentus
Jodianne has helped us with several new home and refinance loans. She is responsive, readily available to communicate, always delivers and is very sensitive to our thoughts and concerns along the way.
04/01/2022 - MT
, Loan Officer: Doug Spence
From the first call to the last call, Doug was great to work with and I have no complaints. He was very quick to address any needs or concerns, and reminded me of anything I needed to do with plenty of time before I needed to do it. Overall 10/10, great job Doug!
03/31/2022 - Russell J. CO
, Loan Officer: Kelli Anne Strott

Kelli helped me 10 years ago with a refinance, and the reason I came back to her is because of her great knowledge and customer service.
03/30/2022 - Jean I. CO
, Loan Officer: Jim Smith
I appreciated working with Jim Smith from the moment I started the loan application until its complete approval. Between email messages, text messages and phone calls, across the board Jim was quick to get back to me when it was needed, prompt to send me pieces of information to move the next step and very knowledgeable whenever I needed more clarity on any given subject. Thank you for all your hard work, Jim!
03/29/2022 - Jonathon S. CO
, Loan Officer: Lisa Lessard
Lisa did a wonderful job in dealing with or unique situation. I have utilized Lisa and her team for years and have always been thrilled with her attention to detail and personal concern for our loans. She always makes us feel as we are the only customer, even though she is supper busy. Thank you, Lisa!!!
03/29/2022 - Brittany S. CO
, Loan Officer: Josh Groner
Very responsive and patient with questions.
03/29/2022 - Norma M. CO
, Loan Officer: Paulette Wisch
This is the second time I have worked with Paulette on refinancing my loan. As a Realtor, I often worked with Universal to assist the buyers I was helping. I completely trust the company. I feel very comfortable with Paulette Wirsch and felt I could count on her to serve my best interests. I know that she was committed to making things pleasant and comfortable for me , which she certainly did. As a former teacher, I give Paulette Wirsch an A+ .She is a true professional.
03/29/2022 -
, Loan Officer: Scott Adams

We’ve done many deals with Scott; always a great deal and experience.
03/29/2022 -
, Loan Officer: Scott Adams

We’ve done many deals with Scott; always a great deal and experience.
03/26/2022 - MT
, Loan Officer: Tawna Leonard
Tawna was amazing and comforting throughout the entire process. She went above and beyond through the entire experience and we couldn't be happier.
03/23/2022 - CO
, Loan Officer: Jason R Doughty

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03/23/2022 - CO
, Loan Officer: Kelli Anne Strott

Kelli made this process much easier to understand and navigate. She was amazing at explaining everything as changes were made and made closing a breeze. I highly recommend her to anyone!!
03/23/2022 - Daniel B. CO
, Loan Officer: Doni Dolfinger
Doni was outstanding throughout the entire time of my re-financing in communicating to me exactly what was going on. She exceeded the time she estimated for closing. It was very fast & she really amazed me. She is the greatest. It was a wonderful experience. A Big Thanks to Doni for her extremely professional, experienced, & friendly time with me.
03/22/2022 - Kristen S. CO
, Loan Officer: LauraJean McBride

Best experience! LauraJean is the best!
03/22/2022 - Casaundra D. MT
, Loan Officer: Pamela N. Strietmatter
Pam was very knowledgeable and provided excellent service! I will be back!!
03/21/2022 - John J. CO
, Loan Officer: Jeff Laws
Jeff has assisted us on multiple deals and has always provided us with excellent advise and counseling on the methods and procedures to close in an expeditious and orderly manner. He knows to ask the right questions in advance to ensure successful financing and closing. Feels like our own personal banker/financial advisor !!!!
03/20/2022 - CO
, Loan Officer: Candice Freeman
The process was explained to us in enough detail to satisfy our needs and everything was as explained. The online processing was convenient and easy. The whole process was very pleasant. Candice Freeman and Deanna Monaco were knowledgeable, professional, courteous, and friendly. We could not be happier.
03/16/2022 - CO
, Loan Officer: Alisa Anderson
Alisa worked so hard to answer all my questions within hours if not immediately! She kept me updated throughout the entire process and helped me understand the process as we went through it together!
03/16/2022 - CO
, Loan Officer: Brett Thomas Popish

Brett was always there to answer questions or would call back quickly. Brett had a good understanding of what we were looking for, when we refinanced our home for a remodel. Now was the best time to get a good interest rate. We felt like Brett only had our interests in mind all the way through the process. Thanks Brett!
03/15/2022 - CO
, Loan Officer: Christopher Michael Murray

Chris and his team have handled several transactions for us over the years and always do a fantastic job. Our last purchase was met with some unusual underwriting and title company challenges, and they handled all of the issues efficiently and with professionalism. Great job Chris, Chrissy and Claudia!
03/15/2022 - MT
, Loan Officer: Tristi Bauer
Tristi was great to work with!