Universal Funding, LLC- Fadra Glaser

Universal Funding, LLC- Fadra Glaser Looking to purchase a home with the best products available. I want this purchase process to be great.

As a wholesale mortgage broker, I have the best programs available to make your home purchase the best possible experience.

08/25/2026

To be sold at a live auction on October 8, 2026 Contact listing agent for details. Welcome to an exciting opportunity to own a turnkey restaurant in the heart of Delta, Colorado. This recently remodeled in 2022 establishment is ready for a new owner to take the reins and continue its success. Situat

08/12/2026

🏡 Price Reduction in Hotchkiss, Colorado!

Looking for a home in the North Fork Valley? Take another look at 326 Poplar Way in Hotchkiss, CO, now offered at $329,000!

✨ 2 Bedrooms | 2 Bathrooms | 1,351 Sq. Ft.

This charming Western Colorado home offers comfortable living spaces, a functional kitchen, unique architectural details, and plenty of character. Located in the heart of Hotchkiss on Colorado’s Western Slope, it’s a great opportunity for anyone searching for a home in the North Fork area.

đź“ž Contact Heidi Varshock at (970) 209-2995 to schedule a private showing!

đź’° What Are Mortgage Reserves?One of the most misunderstood parts of the mortgage process is reserves.Reserves are money ...
08/07/2026

đź’° What Are Mortgage Reserves?

One of the most misunderstood parts of the mortgage process is reserves.

Reserves are money you still have available after closing. They are not an extra fee and they are not money you pay to the lender. They simply show that you have a financial cushion if life throws you a curveball.

Here’s a simple example:

🏡 Your new mortgage payment (principal, interest, taxes, insurance, and HOA if applicable) is $2,000 per month.

If your loan program requires:
âś… 2 months of reserves = You would need to show $4,000 remaining in eligible assets after closing.
âś… 6 months of reserves = You would need to show $12,000 remaining after closing.

Depending on the loan program, reserves may come from:
• Checking or savings accounts
• Retirement accounts (subject to program guidelines)
• Investment accounts
• Other eligible assets

Not every loan requires reserves. The requirement depends on factors such as:
✔️ Loan program
✔️ Property type
✔️ Number of properties owned
✔️ Credit profile
✔️ Automated underwriting findings

Having reserves can also strengthen your loan application, even when they aren’t required.

Have questions about your specific situation? Every loan is unique, and I’m always happy to help explain what applies to you.

08/06/2026

Welcome to 201 Hillcrest Circle, where the name says it all! Perched high above town, this 4 bedroom, 2 bathroom bi-level home enjoys sweeping views of Rangely and the surrounding landscape from its bluff-top setting. With 2,164 square feet of living space, the flexible floor plan features two bedro

08/04/2026

This well-built ranch style home sits on one acre and has nice Grand Mesa views from the backyard. A back deck gives you an opportunity for entertaining or relaxing outside and enjoying the Western Colorado sunsets. The home offers easy one level living. Inside you have an open kitchen and dining area with sliding glass doors that lead to the back covered patio. The kitchen features a lot of cabinets and counter space. There's also a kitchen island. The stone fireplace gives the large living room a cozy feel. The primary bedroom has a nice, well-lit office space that could be used for a lot of different purposes, and this bedroom is very large with a walk-in closet. There is an attached one car garage. The oversized detached two garage will be appreciated by those that want space to store things. There's also a large office area on the backend that could be used as a shop, and the building does have power. The backyard is fenced in two separate sections with a large gate in the rear section. The one-acre lot opens the new owner up to a lot of possibilities. This home has a convenient location between Cedaredge and Delta so it's an easy trip to either town.

🏡 What Makes a Home “Mortgageable”?Not every home qualifies for financing—even if a buyer loves it.When a lender orders ...
08/04/2026

🏡 What Makes a Home “Mortgageable”?

Not every home qualifies for financing—even if a buyer loves it.

When a lender orders an appraisal, the appraiser isn’t just determining value. They also evaluate whether the property meets basic safety, security, and livability standards required by the loan program.

Here are a few things that can raise concerns:

🔹 Missing or damaged handrails on stairs
🔹 Peeling or chipped paint (especially on homes built before 1978)
🔹 Broken windows or exterior doors that won’t secure properly
🔹 Exposed wiring or other electrical hazards
🔹 Roofs with significant damage or active leaks
🔹 Non-functioning heating systems (where required)
🔹 Plumbing or septic issues
🔹 Unsafe decks, porches, or railings
🔹 Missing smoke or carbon monoxide detectors (depending on local requirements and loan program)
🔹 Health and safety hazards, such as mold, standing water, or structural concerns

The good news? Many of these items are repairable before closing, allowing the loan to move forward.

Every loan program has slightly different property requirements. FHA, VA, USDA, and Conventional loans don’t always evaluate the same issues in the same way.

💬 If you’re buying or selling a home and you’re unsure whether a property may qualify for financing, I’d be happy to help you understand what to look for before it becomes a surprise during the appraisal process.

Address

300 Stafford Lane, Suite 30224
Delta, CO
81416

Telephone

+19702340593

Website

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