Upfront Mortgage Lender

United Capital Lending has been awarded the rare Upfront Mortgage Lender (UML) designation.

The Upfront Mortgage Lender certification assures customers fair treatment in all dealings with United Capital Lending. You are assured a fair and accurate interest rate and closing cost quote before your full application.

Requirement #1: An Upfront Mortgage Lender provides quick access to the market niches it prices online.

United Capital Lending offers a variety of the most popular mortgage programs and allows consumers access to obtain real time pricing for them online. View our detailed Loan Product information.

Requirement #2: An Upfront Mortgage Lender includes its fixed-dollar fees, including credit and appraisal charges, in its price and guarantees them to closing.

United Capital Lending guarantees that the rate and fees proposed in the borrowers Good Faith Estimate are the same that will appear on their closing documents. These fees are posted daily in real time to our website and are locked once initial loan disclosures are signed and submitted to the borrowers designated Financial Specialist.

Requirement #3: An Upfront Mortgage Lender provides a clear explanation of its lock requirements.

After completing an online application and submitting their signed disclosure package and required documentation borrowers will receive an email from their Financial Specialist confirming that the program, loan amount, rate, points and fees that have been locked in.

Requirement #4: An Upfront Mortgage Lender discloses all the information about its Adjustable Rate Mortgages needed by customers to make intelligent decisions.

View important information about our Adjustable Rate Mortgage products.

Requirement #5: An Upfront Mortgage Lender informs borrowers if its loan officers are compensated in a way that gives them a financial incentive to overcharge the borrower.

United Capital Lending never empowers or offers incentives to Financial Specialists to sell any rate or fee other than those posted on our website.

Apply today to take advantage of what our team has to offer.