Our Products

We are here to help guide you through the home buying process. There are many different mortgage options and we will find the best fit for your lifestyle.

We offer competitive closing costs, referral discounts, and Free Mortgage and Credit Consultation.

Conventional Mortgage Loans

The Conforming Conventional Loan program has a maximum loan amount of $417,000 for single family dwellings whether it is a purchase or a refinance. For any loans 80... More >

FHA Mortgage Loans

An FHA loan allows for the purchase of a home with a low down payment. FHA Mortgage Loan Details: Government-insured loan Low down payment - 3.5% of the p... More >

FHA Mortgage Refinance

An FHA refinance mortgage allows you to refinance your home with less than 20% equity. FHA Mortgage Refinance Loan Details: Used for debt consolidation or h... More >

FHA 203k Rehab Loans

The "FHA 203k - Substantially Renovated Properties" loan is a government insured mortgage designed for the rehabilitation and repair of single family prope... More >

VA Mortgage Loans

A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan was designed to offer long-term financing to eligible American ... More >

USDA Rural Development Loans

USDA Rural Development's mission is to increase economic opportunity and improve the quality of life for rural residents. Rural Development fosters growth in homeo... More >


Universal Lending Corporation (ULC) is a mortgage banker located in Billings, Montana. We provide residential mortgage loans, reverse mortgages, and a wide variety of wholesale mortgage options. We handle all the steps in the Montana home loan and mortgage process including: Pre-Qualification, Loan Application, Interest Rate Lock, Loan Approval Process, and Closing.

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