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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm

Universal Lending

To be THE provider of homeownership to our COMMUNITY. People helping people achieve their dreams. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
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Lower, LLC dba Universal Home Loans, Equal Housing Opportunity Lender. NMLS ID #: 1124061
www.nmlsconsumeraccess.org
https://www.lower.com/legal/social

Equal Housing Opportunity. Universal Lending Corporation, NMLS Unique Identifier #2996, 6775 East Evans Avenue, Denver, CO 80224, (800) 758-4063, Colorado Responsible Party, Colorado Mortgage Company Registration; Arizona Mortgage Banker License #

0927881; Florida Mortgage Lender Servicer License ; Illinois Residential Mortgage Licensee .6760981; Iowa Mortgage Banker License #2006-0305; Kansas Licensed Mortgage Company Kansas Mortgage Company License .0025137; Michigan 1st Mortgage Broker/Lender/Servicer Registrant ; Michigan 2nd Mortgage Broker/Lender/Servicer Registrant ; Minnesota Residential Mortgage Originator License -MO-2996; Montana Mortgage Lender License #2996; Montana Mortgage Broker License #2996; Montana Mortgage Service License #2996; Nebraska Mortgage Banker License #46; New Mexico Mortgage Loan Company License; North Dakota Money Broker License ; Texas - SML Mortgage Banker Registration; Utah-DRE Mortgage Entity License #7384716; Washington Consumer Loan Company License -2996; Wisconsin Mortgage Banker License ; Wyoming Mortgage Lender/Broker License #582. TEXAS MORTGAGE BANKER COMPLAINT NOTICE

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV. Universal Lending Corporation currently operates branches in Central Denver, Fort Collins & Lakewood Colorado as well as in Montana and New Mexico with branches in Albuquerque, Clovis and Santa Fe. Whether you are a first-time buyer, moving to another home or refinancing your current home, a Universal Loan Officer is in your area and ready to help you. Our staff consists of experienced mortgage professionals, hand picked to represent us in the market place. They work with you, providing you with the information and education needed to make an informed decision about your mortgage needs. They are driven to help you find the loan that will let you "Mortgage your home, not your life"! Universal Lending and our employees are dedicated to providing you with the highest level of service and the best rate possible on your loan. We provide this site as a resource for you, a place where you can come and find information at your leisure. What you find here is just the tip of the iceberg. With today's ever changing market, we strongly encourage you to seek out one of our mortgage professionals for specific answers to your unique situation. You have a lot of choice in the marketplace. When you choose Universal Lending, you are choosing to work with the most dedicated and experienced mortgage professionals in the industry. We look forward to helping you achieve your dreams of home ownership. For more information visit our company website at https://www.ulhomeloans.com or call us toll free at: 1-(800) 758-4063.

05/10/2026

To all of the incredible moms who turn houses into homes and make every space feel a little warmer.... thank you for everything you do, seen and unseen, every single day.
Happy Mother’s Day from all of us at Universal Lending Home Loans. 🌷💗

03/17/2026

When it comes to buying a home… it might feel like luck when everything falls into place, but the truth is, the best outcomes are built with a plan.
The buyers who win (especially in today’s market) aren’t just “getting lucky”… they’re getting prepared.

✨ They understand their numbers
✨ They know their loan options
✨ They have a strategy before they ever walk into a home

Because when the right home comes along, you don’t want to hope it works out, you want to know you’re ready.

That’s exactly what we do together.

We’ll walk through your goals, your finances, and map out a clear plan so that when the opportunity shows up… you’re in the best position to win 🏡

🍀 Luck is great, but strategy is better.

02/26/2026

Mortgage rates recently dropped below 6%, hitting their lowest point in almost three years.

For buyers: lower rates = more purchasing power
For homeowners: this could open the door to meaningful monthly savings
For anyone waiting on the sidelines: it’s time to re-check the numbers

If you want to understand what this means for you, let's talk through the numbers together. 🏡

02/14/2026

Whether you’re loving the home you’re in, dreaming about what’s next, or thinking about how your home fits into your bigger financial picture, it’s always a good time to have a conversation.

Homeownership isn’t one-size-fits-all, and the right move looks different for everyone. We’re here to help you explore options, answer questions, and make confident decisions.

Happy Valentine’s Day ❤️🏡

02/11/2026

At Universal Lending, we believe the true measure of success isn’t just numbers, it’s the trust you build, the relationships you protect, and the people you show up for every single day.

Brian embodies everything we stand for. He leads with integrity, communicates with care, and treats every client, Realtor partner, and teammate with respect and intention.

In 2025, Brian helped more than 130 families navigate their home purchases and refinances, but what makes us most proud is how he does it: with honesty, patience, and a commitment to doing what’s right, even when it takes more time or effort.

Brian is trusted because he earns it. He’s respected because he leads by example. And he’s someone our community, our partners, and our team can always count on.

We’re incredibly proud to have Brian as part of the Universal Lending family, and even more proud of the impact he continues to make. 🏡🧡

01/06/2026

When it comes to mortgages, there’s a lot of noise out there. Endless Google searches. Conflicting advice. Generic answers that don’t actually apply to your situation.

That’s where we come in.

We’re real people, in real time, right here in your community, helping you make sense of your options, answer your questions, and create a plan that actually fits your life. No guesswork. Just honest guidance from local professionals who care.

Whether you’re buying, refinancing, planning ahead, or just curious, you don’t have to figure it out alone. We’re here to be your trusted resource, today and long after the keys are in your hand. 🏡

01/01/2026

A new year brings fresh beginnings, new goals, and endless possibilities. ✨

Whether homeownership is on your vision board, you’re planning your next move, or you’re ready to explore new financial opportunities, this year is full of potential.

Here’s to clarity, confidence, and taking the next step toward the future you’ve been working toward. New year. New opportunities. 🏡💫

12/30/2025

We’re excited to welcome Kari Morrison to Universal Lending. With decades of experience in the mortgage industry, she brings a deep understanding of the market, a steady presence, and a genuine passion for helping borrowers navigate big financial decisions with confidence.

What stands out most about Kari is her combination of knowledge and heart. She believes in doing things the right way, putting people first, and showing up for clients with care, clarity, and professionalism, values that align perfectly with who we are at Universal Lending Home Loans.

We’re so glad to have her on board and can’t wait to see the impact she’ll make for our clients, partners, and team. 🏡✨

12/29/2025

January might not feel like “home-buying season”… but that’s exactly why it can be such a smart move.

While most people are hitting reset after the holidays, January buyers often get something special: more breathing room. Fewer buyers competing, more flexibility from sellers, and a chance to move at a calmer, more thoughtful pace.
It’s also a powerful way to start the year by putting your money toward something that builds stability and long-term growth.

If buying a home has been on your mind, January could be your quiet opportunity to take that next step, on your terms, with a plan that feels right for you.

12/25/2025

Merry Christmas from our family to yours. 🎄✨
This season is a reminder that home is more than a place, it’s where memories are made, traditions are shared, and loved ones gather close.

We’re grateful for every client, partner, and community member who trusted us this year. May your holiday be filled with warmth, joy, and the comfort of home.

Wishing you peace, love, and a very Merry Christmas. 🏡❤️

Address

5750 DTC Pkwy Suite #145
Greenwood Village, CO
80111

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+13037597446

Website

https://www.ulhomeloans.com/, https://www.instagram.com/universal.lending/

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