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You know all the things giant
mortgage companies promise?

We aren't a giant mortgage company.That's why we can actually do them.
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Each of our loan officers and processors has at
least 10 years of residential lending experience

No one is better equipped to help you
make an intelligent decision regarding
the type, rates, fees and terms of your
new mortgage

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HARP 2.0
Is your mortgage underwater?
HARP 2.0 might be the answer.

No Appraisal

No EquityFund in 2 Weeks
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Have an FHA loan?

Get a lower rate and eliminate your MIP FOREVER!
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Thinking about a reverse mortgage?

Let our experts help you determine if it’s right for you.


I recently completed a refi with Bunny Mattice at United Mortgage Fund. She was very responsive to my emails and phone calls. Because she got back to me quickly on each of my phone calls and emails and questions, I felt very comfortable working with her. She was also very patient in answering all of my questions and concerns. We completed my refi process very quickly.

It does help to be organized and ready to provide them with the information they need. And, to make yourself available for the appraisal and document signing process. In other words, help them help you.

M.L. (San Diego, CA)Rating: ★★★★★

After having a few bad experiences during the market crash a few years ago, I was very hesitant to start the refi process. I did a lot of research and eventually spoke to a few different broker/lenders, including United Mortgage Fund. I chose United Mortgage Fund because of their approach and professionalism. Worked with Eric Jones, who was very helpful and pushed my refi through the process. It was much less painful than I had anticipated, so much so that I will be having Eric handle a new purchase for a rental property we are planning to buy. Thanks to Eric and his team for a great job and for restoring my faith in the mortgage industry.

Kristin P. (Rancho Cucamonga, CA)Rating: ★★★★★

I have been through 3 REFI’s before and it is never easy, but with today’s Standards and Requirements it’s a long and frustrating experience. With my recent REFI, Bunny Mattice and the gang at United Mortgage Fund, stuck it out with me and stayed on top of things without giving up until it was approved.

I couldn’t have asked for better communication and a more dedicated (get the job done) group. And they gracefully put up with all my frustrations and complaints as we went through the process with a professional and understanding attitude. These guys went above and beyond !

Rick Ehrecke (Simi Valley, CA)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★

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)Rating: ★★★★★


  • 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 loans close in under 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.

Lock your rate now. Call Us!


5 Biggest Mortgage Myths

  1. A 30 year fixed rate mortgage is always best.
  2. The lowest APR (Annual Percentage Rate) is the best deal.
    It depends.
  3. All fees are included in the APR.
  4. National Banks are the best places to get mortgages.
    Almost Never.
  5. Pay off your mortgage as soon as you can.

Read more…

Reverse Mortgage Purchase Loan

Are you 62 or over and want to buy a new home? Maybe you want to downsize, or go from a two story to a one story or just move closer to your grandchildren. Let’s say you’ve found the perfect place for $300,000. You can buy that house with a Reverse Mortgage Purchase Loan. You pay about 50% of the purchase price and use a reverse mortgage for the rest. You will never have to make another monthly mortgage payment. You’re only responsible for the property taxes and homeowners insurance and maintaining the property. There are minimal income and credit requirements. You continue to hold title to the home and are not required to pay off the mortgage until you move, sell the property, die, or fail to comply with the loan terms.

Read more…

5 Biggest Reverse Mortgage Myths

  1. The bank owns the home after you get a reverse mortgage loan
  2. You need good credit to qualify for a reverse mortgage
  3. A reverse mortgage will affect my Social Security, Medicare and taxes
  4. Your home must be debt free with no mortgages or liens
  5. My children will have to use their own funds to repay the loan

Read more…


© Copyright 2006-2019 - United Mortgage Fund All rights reserved.
Disclosure: These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Licensed by the California Department of Real Estate, Real Estate Broker, License No.: 01952954 – NMLS No.: 1194303