Financing Dreams, One Home at a Time

Financing with Universal Lending

Universal Lending is a part of the New Home Co. family, enhancing our ability to serve customers with even greater resources and knowledge. As New Home Co.’s affiliated lender, Universal Lending provides seamless and integrated mortgage services to homebuyers across New Home’s communities.

Universal Lending

Universal Lending was established nearly 40 years ago with a core belief: every customer deserves personalized attention throughout the mortgage process. Our dedicated mortgage professionals share our commitment to exceptional customer care, guiding and empowering each homebuyer to make informed decisions that align with their budget and long-term financial goals for their families.

For nearly four decades, Universal Lending has been helping individuals and families to achieve their dreams of responsible home ownership.

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Mortgage Tips

Navigating the mortgage process can be complex but keeping organized and proactive is key. Maintain easy access to financial documents and stay ready to provide updated income information. Avoid job changes that could disrupt your application, and ensure all asset documentation is thorough, especially regarding large deposits and gift funds. Be cautious about new credit inquiries and consult your loan officer with any questions. Remember, our team is here to support you every step of the way!

Financial Preparation

House hunting is the exciting part, but preparing financially is just as important. Getting your finances in order upfront can make the homebuying process much smoother. Start by determining how much you can comfortably afford in a monthly mortgage payment. This includes principal, interest, property taxes, homeowners insurance, and possibly HOA dues. A general rule of thumb: your full mortgage payment should be no more than 38% of your gross monthly income.

Paying down credit cards, student loans, or car payments can boost both your credit score and your buying power. Altogether, your mortgage and other debts should stay below 43% of your gross income. Most loans require a down payment, sometimes as low as 3%, which can come from savings, retirement accounts, or even gifts. Know how much you have and where it’s coming from before making an offer.

With a solid financial plan, you’ll be ready to buy with confidence when you find the perfect home!

Mortgage Calculator

If you’re thinking about buying a home, we can help you estimate your monthly mortgage payment.

Purchase Price

Interest Rate

Down Payment

Mortgage Term

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for educational and information purposes only. This is not a commitment to lend. Not all products available in all areas.

Estimated Monthly Payment

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Financing Your Home

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Universal Lending Corporation (ULC) was established nearly 40 years ago with a core belief: every customer deserves personalized attention throughout the mortgage process. Our dedicated mortgage professionals share our commitment to exceptional customer care, guiding and empowering each homebuyer to make informed decisions that align with their budget and long-term financial goals for their families.

LEARN MORE GET PRE-QUALIFIED

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. 2025.

Finance Your Home

Financing Dreams, One Home at a Time

Financing with Universal Lending

Mortgage Calculator

Financing Your Home

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