Wholesale Mortgage Rates, Personal Service.
From first-time buyers to seasoned investors, United Mortgage offers flexible loan programs tailored to your goals — with expert guidance from application to closing.
More Options.
Better Outcomes.
We're not a bank — we're your advocate. As an independent mortgage broker, we shop dozens of wholesale lenders to find you the best rates and terms for your unique situation.
Access to dozens of wholesale lenders
We access rates unavailable at banks or credit unions — passing the savings directly to you at closing.
Competitive rates and low fees
Your personal expert handles everything from quote to close — no call centers, no hand-offs, no surprises.
Fast pre-approvals
From W-2 borrowers to self-employed investors, we have a loan program for virtually every financial profile.
Direct communication with your loan officer
Real-time updates keep you informed at every milestone, so there's never a question about where you stand.
Based in Fontana, California, United Mortgage serves borrowers throughout:
- Fontana, CA
- Rancho Cucamonga, CA
- Upland, CA
- Ontario, CA
- Riverside, CA
- Orange & LA County
- All of California
A Loan for
Every Borrower
Whether you're purchasing your first home, refinancing an investment property, or tapping into home equity, we have the right solution.
Conventional Loans
Flexible terms with competitive rates for buyers with solid credit. Finance primary homes, second homes, or investment properties with as little as 3% down.
FHA Loans
Government-backed financing with low down payments starting at 3.5% and flexible credit guidelines — ideal for first-time homebuyers building their future.
VA Loans
Exclusive benefits for veterans and active-duty service members — including $0 down payment, no PMI, and competitive interest rates you've earned through service.
DSCR Loans
Qualify based on your property's cash flow, not your personal income. Perfect for real estate investors scaling their rental portfolio without W-2 documentation.
Non-QM Loans
Qualify based on your property's cash flow, not your personal income. Perfect for real estate investors scaling their rental portfolio without W-2 documentation.
Bank Statement Loans
Qualify based on your property's cash flow, not your personal income. Perfect for real estate investors scaling their rental portfolio without W-2 documentation.
Reverse Mortgages
Tap your home's equity with no monthly payments — stay put while funding retirement, renovations, or other goals.* *Must remain primary residence; taxes, insurance, and upkeep still apply.
More Loans
HELOC
FHA Streamline
Cash-Out Refinance
Jumbo Loans
Strong Conversion Improvement
Simple Steps to Your
New Home Loan
We've streamlined the mortgage process so you can focus on what matters — your new home.
Pre-Qualification
Share basic financial details and we'll identify the best loan options available for your situation — in minutes, not days.
Full Application
Submit your application online with supporting documents. Your dedicated loan officer guides you every step of the way.
Processing & Approval
We coordinate appraisal, title, and underwriting while keeping you informed with real-time status updates throughout.
Close & Move In
Sign your final loan documents, fund your loan, and get the keys. We'll be with you all the way to the closing table.
What Our Clients
Are Saying
Ready to Find Your
Perfect Loan?
Get a free consultation with a licensed loan officer — no obligation, no pressure. Just expert advice tailored to your unique situation.
