Secure a home purchase loan that leverages today's great mortgage rates to make your dream home affordable! Buying a home is one of the largest financial decisions you will make and obtaining the right loan program is critical to your overall financial health. When purchasing a home, it's important that you understand the difference between a "pre-qualification" and a "pre-approval".
Getting pre-approved will. We're a winning team dedicated to making dreamscome true for the homeowners we all serve, our team members and our referral partners. We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners. Everyone at United Wholesale Lending is great!
Getting pre-approved will. We're a winning team dedicated to making dreamscome true for the homeowners we all serve, our team members and our referral partners. We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners. Everyone at United Wholesale Lending is great!
Services
UWL's success is based on a simple but effective principle: attract great people, to a great workplace, and give them the tools they need to do great work. We're a winning team dedicated to making dreams come true for our team members, our referral partners, and the homeowners we all serve. We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners.
Fixed-Rate loans are the most popular type of mortgage loan because the loan is based on an interest rate and monthly Principle / Interest payment that does not change over time. The property taxes and insurance costs may fluctuate, but many borrowers find fixed-rate home loans to be the best mortgage for their needs because they can create a budget and rely on a steady payment.
When shopping for a home, you want to represent yourself and your offer in the most favorable position as possible. Most lenders will simply run your credit and gather some information so that they can provide you with a pre-qualification letter. This pre-qualification letter does NOT secure your financing - it's a preliminary approval subject to the verification of your assets and credit.
The first step in securing a home loan is to fill out a loan application. Depending on what works best for you, you can either complete the application online or meet face-to-face with one of our loan officers. Once the application is completed, the loan officer will discuss your overall financial goals and then provide you with loan program options.
An ARM loan must specify a specific time at which the interest rate may change. The adjustment period may be one year, three years, five years, or some other period. A three-year or five-year ARM loan usually offers the lower interest rate for the first period of adjustment and then converts to a one-year adjustable.
Reviews (19)
Brian Kosnoff
Nov 07, 2021
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This is one of the worst agencies I've ever dealt with. They've outright lied to me multiple times now. They pre-approved us to buy a home at certain rate, and then once we had our offer accepted and we had a limited time to get our loan, they bumped it up .3%. I was required to go with an appraisal company that they chose (Appraisal Nation). Who gave me a quote for the appraisal then changed me an extra $250 for nothing, which UWL approved. Then UWL lied about approving it, until appraisal nation sent me an e-mail that confirmed they did. UWL promised to reimburse me. I had to contact them multiple
Luci Serrano
Nov 04, 2021
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Melanie Walker
Oct 27, 2021
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Very poor communication. Would never answer questions or emails that I sent. I was bounced around between people when the first one wouldn’t answer my questions. Disclosures had exhibit at costs and fees that were surprises and not previously discussed. Wasted 6 weeks waiting for these guys and ended up going with another lender
Anthony Joseph
Sep 19, 2021
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Traded with $500 in my wallet after seeing so many testimonies and recommendation here on Facebook and YouTube about Brenda William after mining and trading in my account. I opened my wallet and got a profit of $6000 in 7 working days made my withdrawal successfully Mrs Brenda has changed many life's including mine am grateful mam you are a truly a woman with a heart of a raw gold. Contact her via: WhatsApp: +18054915639 email: brendawilliam784@gmail.com
Dan Hajeeyah
Aug 19, 2021
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Unbelievable results!! This has been an incredible experience from day one This wasn't my first time trading but honestly I didn’t know what to expect when I first joined. After much loss. she walked me through the entire process from start to finish, which was a HUGE plus! They made the entire process so easy and hassle-free! I’m very impressed! I will definitely be referring her to you all. her Name is mrs victoria crypto best trader Contact her directly on WhatsApp:+13153028202 email:victoriacrypto062@gmail.com
Gary Hidalgo
Jul 28, 2021
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While I was doing my homework on a refinance loan.. I reached out to Peter Galvez from United Wholesale Lending. Advised what I'm looking for in a refi.. Wow simple and easy process.. Highly Recommended and they work for you!! Not like other lenders... Very competitive and they want your business.. Ontario, CA 91761 Hidalgo Family..
Christina Vicente
Jul 21, 2021
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I'm so glad I went with united whole lending. I worked with JASON GROGOROFF and was the easiest and best experience I ever had with a loan specialist. I've been a home owner for over 30 years and have rental properties so I have has other refinance but this one was by far the best experience and will refer friends and family to UNITED WHOLE LENDING
Jason Youngs
Jun 07, 2021
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Ashley O.
Jun 03, 2021
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Peter, Crystal and Naz were great! I was kept in the loop throughout the entire process. They really took care of my husband and I, the VA streamline refi was just that streamline and easy. They saved us money and provided us an excellent interest rate. Their service was equally as excellent and come highly recommended! Thank you for all your help!
Chelsea Walker
Mar 09, 2021
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DO NOT TRUST BRIANNA WATERS. I had recently (March 2021) been referred to Brianna for a finance lender to buy a new house. She was very pushy and working way to quickly in the beginning to the point where I had to ask her to slow down and explain the paperwork I was signing. My file that was sent to her from an independent lender included a loan… percentage of 2.99, which she was supposed to lock in. She never did and interest rates rose to 3.125. She also promised that she would put a rush on my appraisal to get it back in 3-5 business days and she waited until a week later to get the process
Ashley & Richard Peterson
Nov 14, 2020
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We are closing on our vacation home tomorrow and am grateful for the hard work Peter and his team put in. Originally we had multiple transactions going on at once, Peter covered the appraisals out of pocket. Very generous (over 1k+). When the deal fell through (to no fault of Peter - we received a bad home inspection report) he insisted that we not reimburse him and not to worry about it. It took us a few more months to find the right property/deal with our realtor but when we did Peter and his team were still there for us and closed the deal in 19 days! Mind you, this was during the Thanksgiving
Tom Gonsalves
Nov 02, 2020
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HomesbyMarjorie
Oct 22, 2020
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Peter and his team at United Wholesale Lending recently did my refinance. They did a fabulous job communicating with me at the various steps of the process and went above and beyond to ensure that we got all the necessary documents to close on the loan. I especially like the ease of uploading my documents on their secure server. Thank you so much for your assistance! I will be sure to tell everyone I know of your superior service!
Elizabeth Gabriel
Oct 16, 2020
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Everyone at United Wholesale Lending is great! This is not the first time I’ve refinanced with them, but this time I was able to refinance two properties start to finish in about 2.5 weeks! The team is amazing. Communication is great and they will find you the best rates. I highly recommend them and would refinance through them again
Jeffrey Hennes
Aug 28, 2020
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Hands down the BEST experience I have ever had buying a home! Shelby answered all my questions and removed all my worries/concerns in the process. He went above and beyond to get us the best interest rate possible and tailored the loan to our specific needs. I highly recommend the professional team at United Wholesale Lending.
Farah Derakhshan
Aug 07, 2020
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Dean Ward Bfmc Shots
Aug 07, 2020
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UWL helped me refi my house in two weeks. Peter and Fransisco were very professional and knowledgeable and quick to return emails and text to any questions I had. UWL saved me 591.00 a month on my mortgage. I went through another company before UWL and they didn’t come anywhere close to this. I will definitely use them again.⭐️⭐️⭐️⭐️⭐️
Taina Mei Langi
Jun 05, 2020
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My husband and I shopped 4 different lenders prior to meeting Peter and his team. We were convinced we knew the lender we wanted to use. Until we met Peter. He was straightforward, honest, and responsive. He… knows his stuff and is very professional. No matter what time of day, he was there to help and answer questions.
We loved their videos on their website. Those videos helped us to understand what we were doing or supposed to be doing as well as why we would need to. Great resources for the any home buyer!
If you are looking to buy a home, there is no better team to work with. If you
We loved their videos on their website. Those videos helped us to understand what we were doing or supposed to be doing as well as why we would need to. Great resources for the any home buyer!
If you are looking to buy a home, there is no better team to work with. If you
Shelley Turner Freese
Jan 17, 2020
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I was in the process of refinancing with another company and my friend told me to stop because she was certain Shelby and Peter could get me a better deal. Sure enough...they DID! So I was happy I took my friend’s advice. They made the process so easy and the money savings made it extra worth it. Both of these guys are great guys and it was the best experience I’ve ever had refinancing.
