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Your Home is Your Castle

United Lending Partners is your premier residential purchase and refinance lender. Our sole focus at United Lending Partners is finding the perfect loan for clients in any financial situation. We have developed a strong reputation with some of the largest banks and lending institutions in the Industry. This allows our team to review your current situation and place you in a loan that works for you.

We take great pride in bringing innovative solutions to the communities we serve in order to meet your financial goals. Whether you need the security of a fixed rate loan or the flexibility of an adjustable rate mortgage, we can help. Call today and one of our loan professionals will work up a free total cost analysis comparing your current loan and our proposed financing. It allows you to "crunch the numbers" and make an educated decision. This is no cost to you. If you are looking for a mortgage lender that is going to exceed your expectations, then call us today.
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Best Online Mortgage Companies | Home Loans

Buying or Selling a Home? We do home loans!

United Lending Partners does home loans. Let us help to find your best home loan!

Thank you for trusting United Lending Partners with your home loans. It’s been a pleasure to help so many families achieve their dream through our services. This is why we also have our realty division called United Realty Partners to assist you with all of your real estate needs.

United Realty Partners provides excellent service and has a reputation for honesty, integrity, and reliability. We will help you find your new home and effectively market your current home. We provide seamless access to thousands of properties for sale as well as the following benefits:

  • Free home value quotes
  • Tips and advice for both buyers and sellers
  • Local community and school information
  • Fully integrative mortgage tools
  • Answers to frequently asked questions

If you are looking to buy or sell a home or simply want to know what your home is worth, contact one of our professionals for help.

Find Your Best Home Loan

Our Services

United Lending Partners Services

United Lending Partners was founded on the principles of trust, integrity and experience. The 3 owners have over 45 years of combined experience in the mortgage and lending environment. We have worked in both retail and wholesale channels for large national banks. We felt the need to offer our clients and employee’s a small broker feel with a large bank resources. Thus United Lending Partners was founded.

Our experienced loan officers and processors are dedicated to help you find the right solution for your needs. We understand the importance of listening to the you, our clients and then working together to come up with a game plan which will meet your needs. We are not satisfied unless you are satisfied. Please call us today for a free mortgage analysis and see what we can do for you.

FHA Mortgage and FHA Loans

FHA loan limits have been raised across the United States
FHA Home Loan and FHA LoansIn some cases, FHA limits have doubled. California’s United Lending Partners offers a wide variety of loans according to homeowners’ needs. For example, the FHA home loan is when you are currently in an FHA loan, you may qualify for offers that are more flexible than conventional loans. This means less paperwork, no new appraisal, and flexible credit requirements.

Why use United Lending Partners?
Our focus is to find the perfect loan for clients in any situation, including finding innovative ways to meet your needs. We have had fifteen years of successful work, have our own company’s FHA license, and have developed a strong reputation with some of the largest banks and lending institutions in the industry. Call today for a free total cost analysis. We will exceed your expectations. Instead, use bullets below

  • No credit check conducted
  • Fast answers to your questions
  • Free advice based on experiences
  • Accurate and reliable information
  • Zero cost, obligation and hassle
  • California’s United Lending Partners will exceed your expectations

Our Loan Process

Steps needed to complete the mortgage application


The home loan process is composed of two parts in United Lending Partners, which is based in northern California. The pre-qualification is first, when you complete a mortgage application and authorize your loan officer to get your credit report. It is important that you provide as much income documentation as possible. As a result of this process, you will learn what home loan amount you qualify for, what type of home loan you can get, as well as what price of home you can buy along with the current rate and fees involved in the purchase.

Secondly, using the pre-qualification information, your United Lending Partners loan officer will obtain a valid pre-approval for you. You will receive a letter proving you are pre-approved for a home loan. With this letter, you will find the home you want, have it appraised and close your loan! Refinance


United Lending Partners understand that people refinance for many reasons: to lessen monthly debt with a lower rate, change from a 30 year to a 15 year mortgage to pay it off faster, to lock in a fixed rate from an adjustable one or even to get cash out of the house, if possible. With FHA Refinancing, you can qualify even with bankruptcy in your past. You can also refinance up to 97.75% of the home’s value. In addition, “HARP” loans are an option for homeowners who owe more than their homes are worth. The focus of United Lending Partners is to find the perfect loan for clients in any situation.

Loan Officers

Work with one of the top lending teams in California

 


United Lending Partners CareersUnited Lending Partners is hiring new and experienced loan officers. If you have the desire to become successful and are motivated to win, we want to meet you immediately. The ability to win consistently comes from training, development, and execution. We will help you become an industry leader throughout outstanding training, support and coaching. We provide ongoing marketing campaigns for our proven closers designed to help you succeed.

Loan Options

As a branch of United Lending partners, you will have direct access to all of our lender relationships. You have over 40 wholesale lenders to choose from to get your borrower the absolute lowest rate on the market.

  • Originate loans as a broker with the best lenders in the industry, we also pass on our preferred pricing and 24-48 hour turn times.
  • We manage our locks to ensure you are not punished for other branches mistakes.

Licensing and Compliance

Manage your own business at your own leisure, and stay in compliance with local, state, and national regulations with United Lending Partners loan solutions.

Let our corporate office handle all of your compliance and licensing so you can focus on what your good at, closing more loans.

Experienced Processing Staff

Our teams of processors have over 50 years of combined experienced in Conventional, Subprime, Jumbo, VA and FHA loans. We recognize the value behind a strong processing staff and have some of the best in the industry.

The Loan Officer Will

  • Take the loan application
  • Collect borrower docs
  • Identify lender, pricing & program

ULP Processing Will

  • Order payoff and subordination agreement (if necessary)
  • Verify disclosures are accurate and complete
  • Review credit report, bank statements, pay stubs & W-2's
  • Submit loan package to lender
  • Clear lender conditions
  • Contact hazard insurance company for new mortgagee clause
  • Prepare fee sheet for review by broker, then submit to lender
  • Coordinate closing schedule
  • Follow up to confirm closing was successful
  • Assemble a Post Closing loan package and deliver to broker
  • Keep the broker informed throughout the loan process

Our staff or mortgage processors have been with us since late 2007. We have assembled a team of processors with experience and knowledge for all mortgage programs. In a tough market hire the best!

Technology

To help you excel, we will provide you with access to the latest in mortgage tools and resources so that you can make the most out of each opportunity and more effectively manage your business.

Proprietary loan origination system (LOS) that will truly set you apart from your competition.

Track Leads, manage sales opportunities, timeline of loan closing that automatically keeps the listing agent and buyers agent in the loop each step of the process, video integrated software, set reminders, track your referral sources, closing packages are send out by the company on your behalf to each closed deal, personalized cards will be send out to your clients on your behalf to your clients for 5 years every birthday and holidays.

Business Development

Whether your business is already meeting your expectations or you are looking for ways to improve your business, United is committed to helping you succeed.

Loan support: We will provide you with excellent back-end support through our wide range of services, in order for you to achieve great success. We offer EXPERIENCED Processors, compliance representatives, and experienced managers whom you can turn to help with your deals.

Leads: We provide inbound calls for our proven closers. Work from home and have company paid marketing directed strait to your office line. With over 10 years of origination and loan management we know the best lead companies out there to ensure your success.

Marketing: You can have access to our vendors and take advantage of our discounts to get business cards, office products, flyers made, leads and direct mailers.

Customer service: With our processing system and our back-end support someone will always be there to help you or your clients.

Our Mission

What makes us one of the best mortgage companies?

Best Mortgage CompaniesOur team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.

Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Our name that is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.

Consumers

Consumers

We at United Lending Partners pride ourselves on finding the right loan product to fit our needs. We work constantly with the lending community to come up with new products and programs which will benefit you.

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Loan Originators

Loan Originators

Your Mortgage Loan Originator is the person who drives your loan process and is ultimately responsible for delivering timely and successful results. Each individual team member shares the owner’s passion in constantly improving the customer’s experience.

 

Contact Us

Contact US

Feel free to contact us for general questions or concerns. Our dedicated staff will be happy to help.
Contact Us

 
  • To help you excel

    we will provide you access to the latest in mortgage tools and resources so that you can make the most of each opportunity and more effectively manage your business.

     

    Proprietary loan origination system (LOS)

    that will truly set you apart from your competition. Track leads, manage sales opportunities, print reports, pull credit, set reminders, manage your contacts, create email campaigns, and much more:

    • Customer relationship management software (CRM) that keeps your clients information at your fingertips.
    • Electronic file storage.
    • Direct deposit available that will get you paid within 3 days of your loan closing.
    • Online company documents, that will allow you to access company documents anywhere.
    • Training and coaching via webinars, you can login at anytime from anywhere. Keeping you on your toes.
    • Interactive website that will allow your clients to fill out secure loan applications online.
  • Our team is committed

    to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.

    Our ultimate goal

    is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Our name that is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.
  • Loan Options

    As a branch of United Lending partners, you will have direct access to all of our lender relationships. You have over 40 wholesale lenders to choose from to get your borrower the absolute lowest rate on the market.
    • Originate loans as a broker with the best lenders in the industry, we also pass on our preferred pricing and 24-48 hour turn times.
    • We manage our locks to ensure you are not punished for other branches mistakes.

    Licensing and Compliance

    Manage your own business at your own leisure, and stay in compliance with local, state, and national regulations with United Lending Partners loan solutions.
    • Let our corporate office handle all of your compliance and licensing so you can focus on what your good at, closing more loans.
    • We are happy to be currently serving all of California.
    • Our team will help you get licensed and keep you in compliance for all the states you wish to do business in.

What We Offer

  • Originate loans as a broker with the best lenders in the industry, we also pass on our preferred  pricing and 24-48 hour turn times.
  • We manage our locks to ensure you are not punished for other branches mistakes.
  • Our team will help you get licensed and keep you in compliance for all the states you wish to do business in.