2009
Serving NorCal Since
$5B+
Home Loans Funded
4,000+
Families Helped
4.9★
Google Rating
Specialty Loan Programs
Mortgages for self-employed buyers and investors who don’t fit a conventional box. We shop multiple non-QM wholesale lenders on every file.
Bank Statement Loans
Qualify on 12 or 24 months of bank-deposit history instead of tax returns. Built for self-employed, 1099, and business owners. From 10% down with a 660 FICO.
DSCR Investor Loans
Qualify rental purchases on the property’s income, not yours. No tax returns, no DTI. Designed for investors scaling a long-term rental portfolio.
Airbnb / STR Loans
Finance vacation rentals using projected short-term rental income from AirDNA or trailing 12-month performance — often unlocking better leverage than standard DSCR.
Ready to buy a Home?
Secure a home purchase loan that leverages today’s great mortgage rates to make your dream home affordable!
3 Steps to Your Best Rate
1. Apply in 20 Minutes
Start online, by phone, or in either Sacramento office. Same-day pre-qualification on most files. Conventional, government, jumbo, and specialty programs all available.
2. Get a Real Quote
Send a few documents (paystubs, statements, or 12–24 mo of bank statements if self-employed) and we will return a written quote with rate, fees, and monthly payment — not a teaser estimate.
3. Lock & Close
We shop your scenario across our wholesale lender bench, send you a written quote, and lock the rate that wins. Average purchase closes in 18 days; refis in two weeks.
Why should you choose us?
Banks have one rate. We shop dozens of wholesale lenders to find your best one. As an independent mortgage broker, UWL competes for your loan — which means lower rates, lower fees, and faster closes than what you’ll find at retail banks.
For 17 years we’ve stayed small enough to know your name and big enough to fund $5 billion in home loans across Northern California.
Client Quotes
Everyone at United Wholesale Lending is great! This is not the first time I’ve refinanced with them, but this time I was able to refinance two properties start to finish in about 2.5 weeks! The team is amazing. Communication is great and they will find you the best rates. I highly recommend them and would refinance through them again
Hands down the BEST experience I have ever had buying a home! Shelby answered all my questions and removed all my worries/concerns in the process. He went above and beyond to get us the best interest rate possible and tailored the loan to our specific needs. I highly recommend the professional team at United Wholesale Lending.
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