United Mortgage Fund - Finance Advisor
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That's why we can actually do them.

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United Mortgage Fund Testimonial

I immediately felt a sense of trust with Bunny, I knew she had my best interest at heart. Bunny walked me through unfamiliar territory, she was available, attentive, and professional throughout. The entire process was speedy and painless from start to finish, and I was able to get exactly what I was looking for.

Barry O.Petaluma, CA
United Mortgage Fund Testimonial

Worked with Larry Kirkwood, any time, day or night, no matter what questions or concerns I had, all I had to do was shoot him an email or text and he ALWAYS got back to me. Thank you Larry for all your help.

Laura S.Victorville, CA
United Mortgage Fund Testimonial

We just finished our refi with Larry Kirkwood. We did our original loan with him also. We have been so happy with his service both times. He is on top of it and doesn't ever make you feel pressured. Both times he was able to get our loan to close much earlier than anticipated. He makes sure it truly will benefit you before moving forward. He was very honest and pleasant to work with. We will definitely be working with him again in the future.

Court W.Rocklin, CA
United Mortgage Fund Testimonial

We just closed our refi with United Mortgage. Bunny Mattice made the whole process pretty easy. She is very knowledgeable and got us the exact loan we were looking for. She was very helpful through every part of the process and very good with communication. I got calls from other mortgage companies and Bunny was the only one who was friendly and not pushy. In the end she got us a great rate on the loan that we wanted and even put some money back in our pockets. Thanks Bunny!

Isaac R.Santee, CA
United Mortgage Fund Testimonial

We recently used United Mortgage Fund to finance our loan on our first home. Larry Kirkwood headed up the whole process for us and let me tell you, it couldn't have gone better. Larry was there day or night to answer any questions and explain to us the ins and outs of the loan process. Larry is patient, kind and very professional. He truly made us feel at ease with the whole process and I'm very happy we got referred to him.

Stephanie M.Chino Hills, CA
United Mortgage Fund Testimonial

This was my third refinance with United Mortgage Fund, I worked with Larry Kirkwood who was always quick to answer all of my questions. Larry worked very hard to get me the absolute best rate and I feel that he always had my best interest in mind. he is very ethical and I highly recommend Larry and UMF! I will be bringing all of my mortgage needs to him.

Dennis S. Windsor, CA
United Mortgage Fund Testimonial

I just refinanced my Home Loan at United Mortgage . I worked Bunny Mattice-Clevenger she is  extremely knowledgeable and looks out for clients best interest & loan took less than 30 days. Bunny worked on getting me the best rate and terms .  I went from 30 year loan to 20 years and new payment is less.  Can't  say enough about Bunny she continually exceeded expectations quickly responding to emails and returning phone calls promptly.  I highly recommend Bunny and will recommend her to all my friends and family.  True professional!!!

Sally D. Baldwin Park, CA
United Mortgage Fund Testimonial

Thank you UMF and Bunny for making our refinance go fast and smoothly.  Bunny was very helpful and timely.  Could not have asked for a better process.

Polly W.Antioch, CA
United Mortgage Fund Testimonial

I cannot say enough good things about Larry Kirkwood at UMF. After a couple of years of unsuccessfully trying to refi my loan, I had almost given up. Not only was Larry able to make it work but he also got me a rate far lower than I was expecting. He is straightforward to deal with and makes sure you are getting the best deal possible before moving forward. He was also proactive in checking for changes that would benefit me during the process. He is professional and informed and returns calls and emails promptly with clear answers to your questions. Should the need arise, I will definitely be calling on Larry's services again.

Richard B. Los Angeles, CA
United Mortgage Fund Testimonial

I found Larry online when I was looking through rates on a home refi. After our initial call, I could tell immediately that he was thoughtful and communicative. Larry was thoughtfully direct, responsive to questions and informed. He helped me close a very hard loan. I have worked with other lenders in the past, and Larry service he provided was above the rest. In going forward I would recommend him and will use him again. Don't pass him up, him and his company is worth a phone call.

Nicholle J. Concord, CA
United Mortgage Fund Testimonial

I recently  refinanced my home... with the help of Bunny Clevenger... she was absolutely  great, very helpful with all my questions.. always answered my calls and email right away... or got back to me very quickly. I will recommend UMF and Bunny to anyone of my friends and family looking for help with their home.. Thank you!!!

Cain D. Bakersfield, CA
United Mortgage Fund Testimonial

We had excellent service working with Bunny Mattice Clevenger at United Mortgage Fund.  She was available whenever we needed her and could answer all of our questions and helped us get the information we needed to move forward with our re-fi.  I will recommend her to any of my friends or family who ask about how our process was and how it worked out for us. Thank you for your time and swift dealings Bunny at United Mortgage Fund!

Tammie N. Lancaster, CA
United Mortgage Fund Testimonial

Bunny Mattice went above and beyond to help us to refinance our home.  Her service and personal attention are unlike any we've encountered in our many years of home ownership. I recommend her to everyone who is looking to buy or refinance.

Dave L. Petaluma, CA

Why choose United Mortgage Fund:

  • Knowledge and experience. Every employee of United Mortgage Fund has at least 10 years residential lending experience.
  • Loan officers get paid the same for every program. They have no incentive to put you in one loan over another so they truly have your best interest at heart.
  • All loans are processed in-house and most close within 30 days.
  • Extraordinary customer service. All customer phone calls and emails will be returned within one hour or less during regular business hours.
  • Low rates, helping you save money.

Mortgage Shopper's Quiz

Question:

What’s a better 300,000 loan: 3.5% rate with an APR of 3.5% or a 3.25% rate and a 3.335% APR?

Hover to see Answer

Answer:

The 300,000 loan with an APR of 3.335 has $2697.00 more in closing cost than the 3.5% APR loan.  It will actually take 7.5 years for the lower rate to save you enough to cover the extra closing costs.  So the correct answer is it depends on how long you keep the loan.

Question:

OK, so now I know I can’t just use the APR to figure out what loan is the best for me. But at least I know all the fees are calculated in the APR. Right or wrong?

Hover to see Answer

Answer:

Wrong.  Many of the largest fees do not affect the APR.  Appraisal costs, title fees, notary fees, recording fees, credit report fees are just some of the fees that are not reflected in the APR.  

United Mortgage Fund
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Reliability

It is our mission to always respond timely and keep you informed.

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Clients Served

We have provided financial services to our customers for over 8 years.

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UNITED MORTGAGE FUND’S VISION
To be an extraordinary company renowned for its customer care, integrity and innovation.