United Wholesale Lending, Sacramento CA

The experience was amazing. Kyle and team was upfront and transparent with me about every step of the process. They worked super hard for us in the every changing market. It was a pleasure and I would recommend them to any and everyone who wants a mortgage.

Peter and his team at UWL were great to work with through the home loan process and especially in this market, where speed and efficiency really matter. Super professional, responsive and dedicated to not just helping you navigate the best financing options but also educating along the way. Definitely appreciated the support and partnership through this process. Would highly recommend!

I'd like to say that United Wholsale Lending did an awesome job in providing the most easiest loan process that we've experienced thus far. Mr. Agar and that crew will not let you down and will make sure that you are kept in the loop for each stage of the loan process. They are motivated and eagar to show you that it does not have to be stressful im completing the loan at all. I will be looking forward to working with them again, and I highly suggest you all do the same, take care and thanks!

Hello…. My fiancé Greg Schroth and I, used United Wholesale Lending for a refinance and cash out, and we would like to say that Shelby and Peter have an amazing company!
They also have an excellent staff.
Matt our Loan Officer, went above and beyond, in answering our questions at any given time when we called him.
Mike, our loan processor, held our hand through the entire process, also answering any questions we had at any time of the day.

We highly recommend UWL, Matt and Mike for any of your Mortgage needs. We have referred them to friends of ours, and we will be using them again when the time comes!

Sincerely….
The Schroth’s

p.s…. Shelby really does answer every initial phone call!

Talk about the BEST around! Peter and his team have helped my family out with all of our lending needs, and they never let us down. UWL has become family! Their support and attention to detail is phenomenal. Look no further for all your Real estate and lending needs. You will not be disappointed, I guarantee it.

I do not recommend United Wholesale Mortgage (UWM). It is a lender and not a bank. So, after contracting a mortgage loan, you are stuck with your initial deal, and they will not allow you to negotiate a lower interest rate based on the market. You will spend a few hours trying to talk to someone. Bottom line, they will redirect you to a broker, JWH Financial, the middle man. UWM only care about making sure that you pay your loan each month. Even if you are a good standing customer, unfortunately, you are just a number. I do not recommend UNW. They do not care about customers; they just accept transactions.

A few years ago, I refinanced my mortgage with JWH Finance and John Sheetz (broker). Everything was pretty straightforward; they followed the rules like any other broker. Except they never mentioned or informed me that United Wholesale Mortgage (lender) was not a bank. As a result, I could not negotiate a lower rate, and I have had to restart the re-fininancing process again. You cannot renegotiate your loan with a lender. They only manage your money. So, I reached FWH Finance to lower my interest rate and, it took me some tricks and a few months before reconnecting with JWH Finance. They never returned my calls. And finally, when they reached me back, refinancing had just been a nightmare. They asked me for the wrong information; They asked for IRS form 1120, US Corp Income Tax Return, but I am either on w2 or 1099. I was amazed by the lack of professionalism this time. No follow-up, and I am still waiting for the result of the case I opened. I will say that they do not care about customers either, especially if your case requires some workaround. For instance, they could not understand what to do on 1099. In addition, as a customer, they never reached out to tell me that I could benefit from a lower interest rate for my existing loan. Their strategy is to look for one-time customers, get their commission, and that is it. Their goal is to complete as many transactions as they can. So, I do not recommend working with JWH Finance, and United Wholesale Mortgage or you will be trapped in some difficult situation over time.

Account Executive, Holly Compton and the Underwriting Team at UWM, are the fastest closing lenders I have ever worked with in the industry! I highly recommend United Wholesale Mortgage for their excellent customer service! They get the job done!

We started the process with Shelby and his team after hearing Rob on 98 Rock talk him up so much. We thought the absence of return phone calls, texts and emails and generally no questions answered was normal for this industry- it's definitely not! We almost gave up on the home buying process because of the lack of knowledge and communication from United Wholesale Lending, it was horribly discouraging. Thankfully we found another lender that was knowledgeable and always available. Maybe Shelby and his team would have been better suited for someone who's purchased multiple homes and doesn't need their hands held as a first time home buyer like us. Either way, definitely NOT recommended!

Love their process, love their easy access to the experts at every stage on the loan. Love that I can help remove the stress of the loan during this process! This 13 days to close was during the crazy refi boom!

This is one of the worst agencies I've ever dealt with. They've outright lied to me multiple times now. They pre-approved us to buy a home at certain rate, and then once we had our offer accepted and we had a limited time to get our loan, they bumped it up. 3%. I was required to go with an appraisal company that they chose (Appraisal Nation). Who gave me a quote for the appraisal then changed me an extra $250 for nothing, which UWL approved. Then UWL lied about approving it, until appraisal nation sent me an e-mail that confirmed they did. UWL promised to reimburse me. I had to contact them multiple times about it and then they only reimbursed me half. We closed in August and they told in writing multiple times that our first bill wouldn't be till October. We thought that was nice and would give us time to manage our expenses. I paid that bill, but then received a call saying we had a past bill from September that was overdue and they would report us to the credit agency if we didn't pay it immediately. So now we have 2 bills due in one month, because they just keep lying to us. Do not use this agency. They are awful.

While I was doing my homework on a refinance loan. I reached out to Peter Galvez from United Wholesale Lending. Advised what I'm looking for in a refi. Wow simple and easy process. Highly Recommended and they work for you! Not like other lenders. Very competitive and they want your business. Ontario, CA 91761 Hidalgo Family.

I'm so glad I went with united whole lending. I worked with JASON GROGOROFF and was the easiest and best experience I ever had with a loan specialist. I've been a home owner for over 30 years and have rental properties so I have has other refinance but this one was by far the best experience and will refer friends and family to UNITED WHOLE LENDING

Peter, Crystal and Naz were great! I was kept in the loop throughout the entire process. They really took care of my husband and I, the VA streamline refi was just that streamline and easy. They saved us money and provided us an excellent interest rate. Their service was equally as excellent and come highly recommended! Thank you for all your help!

Professional, Targeted and lightning fast. UWM stands tall as a Lender Preferred by Brokers for a reason! They put great effort into making it easier for Brokers and it shows through in the loyalty they receive in return. Thank you UWM!

I’m so glad I went with United Wholesale Lending. Pete and his whole team was nothing but welcoming and willing to explain anything throughout the entire process. I ask a ton of questions and they didn’t hesitate to give me the answers I needed. We are first time home buyers and they made everything go so smoothly without any hiccups. Not only that I got preapproved within an hour and did a 17 day close! This put me ahead of all of the other competing offers. Not only that, but I also got an interest rate that was incredibly low! All around an outstanding experience that I can’t thank the whole UWL team enough for!

My experience working with Mr. Peter Galvez (CEO) was a pleasure and he knew his product inside out. He was completely upfront about the costs and understand my situation! Gave me a GREAT rate, I asked for. Thank you again!
Peter and his team made me feel confident that I was working with not only a great company but a great business person. Peter is genuinely a nice guy too, good heart!