WE ARE RISEWELL HOMES AND UNIVERSAL LENDING Together we are focused on delivering a better homebuying experience, from the foundation up. As Risewell Homes’ affiliated lender, Universal Lending specializes in the specific demands of new construction home mortgages, delivering personalized support and providing expert financial guidance to all our homebuyers. For nearly 40 years, Universal Lending has helped families navigate the mortgage journey with care, clarity, and confidence. Universal Lending shares our commitment to service and is here to guide you every step of the way, offering tailored loan solutions that align with your lifestyle, budget, and long-term goals. Together, we’re building more than homes. We’re creating an easier path to homeownership, designed entirely around you.
WHY WE PUT YOU FIRST The Universal Lending team is here to guide you with personalized support, smart solutions, and a deep commitment to personal home buying goals. With specialized expertise in securing loans for new home construction, we make sure the process feels exciting, not overwhelming. That’s why every part of the mortgage experience with Universal Lending is seamlessly integrated into the Risewell Homes buying journey.
UNIVERSAL LENDING SUPPORTS RISEWELL HOMES ACROSS THE NATION California | Arizona | Colorado | Oregon | Washington | Texas | Florida
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PRE-QUALIFICATION TO PURCHASE A RISEWELL HOMES RESIDENCE WITH UNIVERSAL LENDING
CONNECT WITH A UNIVERSAL LENDING LOAN OFFICER
YOUR FAMILY 3
EXPLORE THE RIGHT LOAN FOR YOU AND
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CLOSE ON YOUR LOAN & COMPLETE YOUR PURCHASE WITH RISEWELL HOMES.
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SECURE YOUR FINAL FINANCING TERMS
THE RIGHT HOME, THE RIGHT LOAN UNIVERSAL LENDING OFFERS A WIDE ARRAY OF MORTGAGE PRODUCTS TO FIT YOUR NEEDS, INCLUDING: Conventional Fixed Rate Loans Standard mortgage with a consistent interest rate & monthly payment over the life of the loan. • FNMA HomeReady Designed for low-to-moderate-income borrowers, offering reduced mortgage insurance and down payment requirements. • FHLMC Home Possible Freddie Mac-backed loan that helps low-income borrowers with flexible credit terms and a low down payment option. • FHLMC HomeOne A Freddie Mac program for first-time homebuyers offering 3% down. FHA – 96.5% Financing Government-backed loan with just 3.5% down payment required; can include options for down payment assistance up to 100% financing. VA – 100% Financing for Veterans Loan exclusively for eligible veterans and active-duty service members, requiring no down payment. Adjustable-Rate Loans Loans with interest rates that change periodically, offering lower initial rates that adjust based on market conditions. Jumbo Loans Loans that exceed conventional conforming loan limits. Various State Down Payment Assistance Programs Local or state-sponsored aid that provides grants or loans to help cover down payments and/or closing costs. Non-QM (Non-Qualified Mortgage) Flexible loans for borrowers who may not meet traditional lending guidelines. • DSCR – Rental Income Qualifier Designed for real estate investors; uses rental income from the property to qualify rather than personal income. • Bank Statement Loan Qualifies self-employed borrowers using 12–24 months of personal or business bank statements instead of tax returns. • P&L Loan Uses profit & loss statements prepared by a CPA to determine income, often used by self-employed borrowers. • 1099 Loan Tailored for independent contractors using 1099 forms to verify income instead of W-2s. • Asset Utilization Qualifies borrowers based on liquid assets (savings, investments), instead of employment income. • ITIN Loan Available to individuals who do not have a Social Security Number but have an Individual Tax Identification Number (ITIN).
“I liked how they worked with us because we had a unique situation going on with the sale of our previous home and everyone we worked with at Universal Lending, made the process stay smooth.” Molly H., Oregon
“Our loan officer was always available to assist with submission of any documents or questions at any time of day!” Jacob D., Arizona
Universal Lending has been helping families turn homeownership dreams into reality
“Our loan officer was very very helpful & made this process easier for us. They quickly answered our questions and walked us through in detail with stuff we didn’t understand. Overall great
customer service.” Ervin C., Arizona
“Our loan officer was diligent and helpful. She understood our needs and was extremely supportive.” Divya T., Southern California
Some reviews have been edited for clarity and to reflect the experience with our team as a whole.
RisewellHomes.com
ULC.com
Move Forward with Our Loan Officers and Start Your Pre-Qualification to Purchase Today!
Universal Lending Corporation, NMLS ID 2996, www.nmlsconsumeraccess.com , 6430 S. Fiddlers Green Cir., Ste 460, Greenwood Village, CO 80111, 303-758-4969, www.ulc.com. Licensed in: AZ – Mortgage Banker License #0927881; CA – Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act – License #41DBO-193853; CO – Mortgage Company Registration; FL – Mortgage Lender Servicer License #MLD989; OR – Mortgage Lending License #2996; TX – Mortgage Banker Registration; UT – Mortgage Entity License #7384716; WA – Consumer Loan Company License #CL-2996. This is not a commitment to lend.
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