Explore mortgage options with Universal Commercial Capital
Your premier mortgage lender located in Huntington Beach, California. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
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The team at Universal Commercial Capital is great to work with, they are fast and professional. They take pride in customer service and deliver great results. I would highly recommend... read more
Delayen Weeden
Universal Commercial Capital did a phenomenal job of helping out our friends out when they needed it. They were very easy to work with and did just what they said... read more
James I. Radford
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Thank you Universal Commercial Capital for always providing an amazing quick and convenient experience. Universal Commercial Capital is our go to hard money lender. They are very professional and trustworthy.... read more
Haley Lewis
Universal Commercial Capital is professional, transparent, and honest. I've recommended them to my friends and family members, and all have experienced great service
Fernando Marquez Romero
