Take appointment for your Free consultation
If you are self-employed or have a business where income is not consistent, Universal Home Loans can help you get the financing you need. We’re experts at helping people who don’t fit the bank’s profile get a mortgage.
Loan Features
- No tax returns required
- Qualified based on Personal or business statements for the most recent 12 months
- Loan amount up to $3 million
- 10% Down payment with no mortgage insurance
- Owner occupied, 2nd home, Investment Property
- Interest Only Loan Options
- 30-year fixed option available
- Non-Perfect Credit OK
- Gift Funds for Down Payment
- W2 co-borrower ok, income and employment traditionally verified
- Retirement income is usable with verification (1099, award letter, etc)
- preeti@univhomeloans.com
- 818-304-4409
- 8229 Corbin Ave, Winnetka, CA 91306
- 661-308-9121
- 8730 Harris Rd Suite 201 Bakersfield CA 93311
© 2023 univhomeloans, a mortgage broker, licensed by the CA Bureau of Real Estate, DRE # 01948403 NMLS# 1179661 All rights reserved. Not all applicants will qualify. Rates, programs, and APRs are subject to change without prior notice. All LTVs represented are based on appraised value. *Based on 2022 Scotsman Guide Ranking.