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How to Get a Loan

Once you select Universal Lending to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage tailored for your needs.

Throughout the loan-application process, I provide you with regular updates. You can also e-mail me with questions or new information. And if you want assistance, I am just a phone call away.

Here's an overview of the loan-application process

STEP ONE -- Apply Now! Getting started is easy

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through this website. To get started, select an application from the list on the left.

At the appropriate time I'll order a property appraisal for you.

STEP TWO -- Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly. 

I will coordinate with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!
 

Contact Information

Cathy Smotherman-Erickson
Residential Mortgage Loan Originator

3419 S. Coulter St., Suite 2B, Amarillo, TX 79109
(806) 418.8970
cerickson@ulc.com

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Cathy Smotherman-Erickson, Residential Mortgage Loan Originator
Universal Lending Corporation
3419 S. Coulter St., Suite 2b, Amarillo, TX  79109
Direct:  (806) 418-8970
cerickson@ulc.com
Copyright © 2019 Universal Lending Corporation

Cathy Smotherman-Erikson
Texas NMLS Branch ID 11133666 Colorado License#: 100034801 NMLS#: 391856
Kansas LO.0027454
Regulated by the Division of Real Estate.
Colorado & Kansas Licensed Mortgage Company
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