United Mortgage Fund

Jem Cajudo is a terrific mortgage broker. I agree with Christina and Carmen below, who also gave him their highest rating. From beginning to end Jem was friendly, articulate, communicative.. . and, also important: accessible. Throughout our transaction I would pepper him with questions and concerns, sometimes at odd hours, and he never stopped being patient, respectful and thorough in his explanations. He is as courteous as he is knowledgeable – and he knows quite a bit about real estate and home financing. So it’s no surprise that I found it such a pleasure to do business with him.
During the early part of the process I got the feeling that Jem actually did have my interests at heart. Of course I know that giving such an impression is a technique some folks in sales only affect. But Jem is genuine. Later on in the process I saw actual evidence that supported my positive intuition about him. Twice he put my interests before his own. He also went out of his way to make my life easier, doing some work for me that I thought I should be doing.
I know there are some scalawags out there, but Jem is manifestly not one of them! As we continued to work together, I found it a real pleasure to chat with him, and certainly reassuring to know that this was a man I could trust – throughout the entire transaction. If you contact him, I believe you will feel the same way, too. For the quotes and costs Jem describes to you in the beginning will be exactly the ones you will see at the end. And if you have any questions, he will answer them, without delay. So if you want someone who will give you the very best deal he can, and be pleasant, equable and cordial throughout the process, I’d say Jem is your man. He will be on your side to help make your refi experience comprehensible. .. and even tolerable! He is a true gentleman, a fine person, and an excellent professional resource.

We were referred to Larry Kirkwood by our accountant and she was right about his professionalism. This was the easiest, most informed, and comprehensive process for refinancing. He filled us in on everything to be prepared for such as having enough fire detectors and CO2 monitors in place before the appraiser arrived. The paperwork was completely explained with costs and dates all set up for the ease of our schedule. It seemed as though from the first moment to the closing that Larry was on the phone keeping us informed on every step of the process. He also turned me onto using an app to copy forms to email back after signing he is very tech salve. This refinance was so worth it to get out the equity we needed and we no longer have PMI insurance payments.

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

Jemuel Cajudo was the associate who took care of my refinance. It was such an easy experience. Jem answered every single question I had, I was always able to get ahold of him, and he was able to secure me the best deal out there. I did not have to pay any closing costs and got a lower rate than I thought was possible! I didn’t even have to pay for my appraisal! Great service, great product — don’t go anywhere else!

We have just completed a refinance on our home. One of the best refi experiences we ever had. We were contacted by Bunny Mattice Clevenger, Sr. Loan Officer who is very knowledgeable and professional, as she looked out for our interest during the complete process. She got us a excellent interest rate, and closed the loan in less than 30 days. I would recommend her and United Mortgage to anyone looking to refinance their home.

I refinanced for the first time with United Mortgage Fund after 3 ½ years of looking for the best option for my investment. When I received the call to inform me of my options I was very pleased to have found a company that delivered what it promised. The refinancing process was easy and seamless. Larry Kirkwood was honest, professional, patient and flexible. He worked with me to make the process easy and beneficial. Being that it was the first time I was nervous and hesitant. However, Larry and his team were reassuring and always answered all my questions and kept in communication with me every step of the way. Thank you Larry for your great customer service and positive manner. I will definitely recommend you to friends and family and glad to do business with you again.

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 couldnt 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 Im very happy we got referred to him.

I did my first refinance on my house with United Mortgage Fund and the associate who went above and beyond with assisting me was Jem Cajudo. He called me at the right time at the right moment asking if I wanted to refinance on my house and at that time I was shopping around with different banks to get different prices. Jem worked on giving me lowest rate out there that he can possibly find for me with no kinds of closing costs or points to pay down! NOTHING and I mean NOTHING came out of my pocket upfront for me to pay. The only thing I put on my credit card was the appraisal they did on my house but I got reimbursed for the appraisal right after everything closed!
Jem did a wonderful job on assisting me in every way and he made sure everything ran smoothly without a worry in the world. He kept me updated daily with all the information that was going on with the lender and made sure that the process was easily handled. Jem was very informational especially with all the questions I had about the whole refinance process (it was my first time refinancing so I wasn’t sure about a lot and Jem was very knowledgeable and knows exactly what he’s doing).
If you’re thinking about refinancing then I highly suggest working with Jem at United Mortgage Fund. He made everything as easy as can be and made closing really fast. Exceptional customer service! My next refinance for my house or any other house I buy in the future then I will be contacting him directly.

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!!!

Worked with Larry Kirkwood,
Any time, day or night, know 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.

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.