Why Use a Broker

Universal Home Loans is a full service mortgage lender with the goal of getting you into your dream home. Our team helps clients find the best loan to match their budget and financial goals. We are committed to quality customer service, putting our clients first. After you choose a mortgage option from us, we will work to help you achieve your dream of homeownership by guiding you through each step of the process and keep you informed throughout it all.

Markets Served: California & Texas

Client Testimonials

Read what others have said about working with us:

Leave your review here

Extremely professional and Highly Recommended

Rated 5 out of 5
May 21, 2024

Preeti was a real gem to work with. She is very professional and responsive. She went out of the way to get the work done.


Best Loan Agent

Rated 5 out of 5
May 15, 2024

Preeti has been phenomenal on closing the escrow on time. So far we have closed three transactions together and our clients are fully satisfied with their home loan process. She has in depth knowledge of mortgage industry and provides valuable suggestions to our clients to make their home buying process super smooth.

Baljinder Jhalle Realtor - Intero Real Estate Services


Rated 5 out of 5
October 5, 2023

Preeti was able to handle every situation professionally and always kept me up to date with every detail. Would highly recommend her as a lender.

Valeriano Ramolete

She well informed, straight forward and responsive.

Rated 5 out of 5
April 5, 2023

Preeti was an absolute pleasure to work with. She is a consummate professional – well informed, straight forward and responsive. She helped us navigate through the loan process with ease. I highly recommend her services!

Pawan Gill Sr. Compensation Analyst - Calabasas CA

She complete the process one week before expected duration.

Rated 5 out of 5
September 9, 2022

Before I started, doing refinancing. I was very specific on timelines to complete the process and Universal Home Loans Inc completed one week ahead of time (i.e. 3-weeks).

Excellent refinance experience. The loan terms were very competitive with current market. Communications were very good over email and phone as needed being both timely and clear. Arrangements for appraisal were tailored to my schedule constraints. Borrowers should be prepared to provide thorough documentation of financial information.

I would definitely use Universal Home Loans Inc again and refer to my friends

Sreenath Bhandhari - Bakersfield CA

Outstanding realtor / loan agent

Rated 5 out of 5
February 6, 2022

Preeti is very intelligent and an outstanding realtor/ loan agent. She is very professional and up front while dealing with clients. She has done two loans for us, the transaction went so smooth, timely and hassle free, we did not feel any stress. Gave us very competitive rates with minimum fees. Wish her success in her carrier and highly recommend her name.

Sarbjit Deol Engineer - Fresno CA

She was very patient and extremely professional

Rated 5 out of 5
December 12, 2021

Being a busy teacher and single mom, working with Preeti Badesha in regards to my FHA loan was a great experience. The guidance and expertise of Preeti Badesha was much appreciated in my home purchasing journey. She was very patient and extremely professional with my questions and knowledge level of the home loan process. I would definitely recommend her.

Karen Sidhu - Porterville CA

It's always a pleasure to work with Preeti.

Rated 5 out of 5
July 7, 2021

It’s always a pleasure to work with Preeti. I have utilized her services to help my buyers fund their loans. She’s extremely professional and efficient. She’s well informed and her keen insight has helped me avoid potential hassles. She’s readily available to answer my questions and concerns and always keeps me and my buyers informed about the progress of their financing. My buyers have also been thoroughly impressed by her ethics and professionalism. I would recommend everyone to take advantage of her skills and experience.

Harry Sidhu - Bakersfield CA

I am a first time home buyer

Rated 5 out of 5
March 3, 2021

It has been a great experience to work with Preeti. I am a first time home buyer and was really stressed through the whole process. Preeti explained me each and every step of the process and was always available. She is very knowledgeable when it comes to financing. I didnt even have to pay PMI and the interest rate was very competitive. Overall it was a great experience working with her. I would definitely recommend her services to anyone.

Haneet Singh - Sacramento CA

She performed well and above my expectations

Rated 5 out of 5
February 2, 2021

Just got one my investment property financed through Preeti and about to start the procedure for another one. Needless to say she performed well above my expectations. We had a smooth sailing and she was on top of everything every step of the way. Looking forward to another efficient closing for the upcoming transaction and more in future. Thanks for your efforts Preeti.

Dr. Yadwinder Kang - Bakersfield CA

Pleasure working with preeti

Rated 5 out of 5
January 1, 2021

It was a pleasure working with Preeti. She took care of everything even while we were out of country. Will definitely recommend her services. I’m sure we’ll work together again in the future.

Navneet Kaur - Bakersfield CA

Preeti is Just Amazing

Rated 5 out of 5
November 11, 2020

Just amazing. No words can explain her work. Seemed like she was always right next to her computer or phone, very quick response time to all my questions. I thought I would not get my loan but she made everything happen. Explained me through every step in my mortgage process. I would say getting money from Lender is very difficult during this hard time, but she completed the process seamlessly.. Highly recommended.. for your refinance or purchase mortgage transactions.

Manish - Los Angeles CA

She delivers under pressure

Rated 5 out of 5
August 8, 2020

Preeti is an amazing loan officer. She is thorough, knowledgeable, and patient. She delivers under pressure and still keeps her grace and composure. I would recommend her to anyone seeking a great loan officer!

Sandeep Brar- Union City CA

Highly Recommended

Rated 5 out of 5
October 10, 2019

Preeti was so responsive and a such a phenomenal individual to work with! She made everything easy, responded quickly to questions/concerns, alleviated my work scheduling by being available during after hours. I 100% would recommend her to anyone looking to buying a home

M Khan - Bakersfield CA

Preeti helped us with everything

Rated 5 out of 5
June 6, 2019

We just purchased our first house. We didn’t have any experience. Preeti helped us with everything. It was so easy and a good experience to work with her. I will recommend her to all my friends.

Shima - Austin TX

© 2023 univhomeloans, a mortgage broker, licensed by the CA Bureau of Real Estate, DRE #000000, NMLS #0000, NMLS #00000. 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.