Sacramento’s Trusted Mortgage Broker
UWL was founded in 2009 on a simple idea: home loans should be priced like an open market, not a captive product. As an independent mortgage broker, we shop dozens of wholesale lenders on every loan, competing rates against each other so you get the best one.
Over 17 years our Sacramento team has funded $5 billion in home loans for 4,000+ Northern California families, and earned a 4.9-star Google rating along the way.
Why It Matters
Big banks profit from the spread between their cost of funds and your rate. We don’t — we work on the broker side, where lenders compete for our business and you keep the savings. The values below explain how we deliver on “lower rates, lower fees, local team” every day.
How We Work
LOCAL EXPERTISE
Two Sacramento offices, one team. We know NorCal markets — from El Dorado Hills to Elk Grove — because we live and lend here.
RATE TRANSPARENCY
All-in costs disclosed upfront, in writing, before you apply. No teaser rates and no surprise fees at closing.
CLIENT-FIRST
Our loan officers are paid the same regardless of which wholesale lender funds your loan. Your rate — not our commission — drives the recommendation.
CLOSE FAST
Purchase loans typically close in 18 days. Refinances in two weeks. We move quickly to protect your rate lock and your closing date.
LONG-TERM RELATIONSHIPS
Many of our clients refinance with us 2–3 times across the years. We earn it by staying small enough to know you by name.
ALWAYS AVAILABLE
Real people answer the phone, including evenings and weekends during your transaction. Your loan officer’s cell number is on every email.