Universal Lending Home Loans
Specializing in Millennial and First-Time Homebuyers
I am passionate about helping people realize the dream of home-ownership! I have been a Mortgage Advisor for over 20 years. I offer honest, well communicated, knowledge-based lending experience.
I cater to my client’s preference of communication and am available throughout the mortgage process, via email, phone or text. The loan process can be completed in person, online or through our mobile app. I enjoy helping educate homebuyers during the mortgage process so that they are empowered and make informed decisions on what is likely, the largest investment in their lives.
Our “FlashTrak” program allows you to apply in person, online or through the mobile app and close in as little as ten days!
Helps you compete with multiple and cash offers. We issue loan approval prior to submitting an offer on a home and guarantee your earnest money up to $10,000!
Universal Lending underwrites and funds all our loans here in Denver. Universal has been a top lender in Colorado for 35 years!
FHA / VA / Conventional / Jumbo
CHFA programs (down payment assistance)
USDA (rural loans)
First Time Home Buyer programs
203K Loans (FHA renovation financing)
Home-Style (Conventional renovation financing)
Non-QM loans for self-employed borrowers, non-warrantable Condos and other unique situations
Mortgage Credit Certificates
Manufactured and Modular Home Programs
All In One Loan. Helps homeowners pay off their mortgage faster than traditional 30-year mortgage without increasing payment or changing spending habits
I am a Colorado Native. I love to cycle, hike, snowboard, backpack, and camp. I also enjoy photography and cooking. I love checking out all the great restaurants and coffee shops Denver has to offer. I’m married to a South Metro Firefighter and have three children.
I look forward to helping you meet your goal of homeownership!