Universal Lending - Clovis, California

Juan B.

Throughout our home-buying process, Kyle Wilkins and his team were incredibly communicative. They promptly answered calls and emails, keeping us informed about every development. Their ability to clearly explain complex contract details was particularly helpful. Thanks you Kyle for making my dream to become a reality.

Hamid G.

Review for Kyle Wilkins, Lender

My experience with Kyle Wilkins as a lender was extremely disappointing and frustrating. Throughout the loan process, Kyle was consistently uncommunicative and evasive. Whenever I asked for updates or clarity on where we stood, his response was always a vague "we are fine." However, it turned out that we were not fine at all—important details were still unresolved, and progress was delayed.

Kyle frequently boasted about his 21 years of experience, but unfortunately, we did not see any evidence of talent or expertise. His approach was marked by a lack of preparation and last-minute requests for documents that should have been anticipated well in advance. he never took the initiative to contact my employer, instead repeatedly asking me to provide documentation. This caused unnecessary stress and delays.

One of the most concerning issues was when Kyle falsely assured me and my broker that the loan was ready, leading us to remove the loan contingency. The very next day, we discovered that the loan was still under review, which could have jeopardized the entire transaction. This kind of deception is not only unprofessional but also dangerous.

In the end, Kyle did manage to finalize the loan, but only after significant delays and stress. While he claimed to secure a good rate, it turned out he used credit to buy down points, which was not clearly communicated upfront. Given that our loan should have been straightforward—with over 30% down and strong income—this process was far more difficult than it needed to be.

I cannot recommend working with Kyle Wilkins. His lack of transparency, poor communication, and unreliable handling of the loan process make him someone I would not trust again. Additionally, my negative experience with him has made me question the reliability of the company he represents.

Add comment for response:

Thank you for the congratulations. Regarding the time you spent working with me to sign the loan, that is indeed part of your job. Since you charge for your services, it’s expected that you dedicate time to your clients—especially if they are first-time buyers who may need more guidance.

As for your comment about the process being normal and my stress being unnecessary, I must disagree. The stress was a direct result of your actions. You gave us the green light, stating the loan was ready on Friday, when in fact, it wasn’t. You requested additional documents on Monday, which contradicts your earlier assurance. I have all the documents to prove this. Please refrain from twisting the situation; the documents speak louder than words.

Crystalynn V.

Our realtor Cha was very helpful, made our first time home buying experience super easy, and he made sure that everything was taken of. Our whole experience was amazingly smooth thanks to him! We wouldn’t have been able to get through it without him. He is trust worthy, helpful, and understanding. Thanks a bunch!

Lorraine Z. M.

Would like to Thank Josh Jackson on helping us on our new home. He made the process smooth and fast. He is very responsive and on top of it. Also his team Kylie and Andrea were on top of it with getting things taking care of. I would recommend Josh Jackson to help you on your purchase. I wouldn't go any other way. Thank you Universal Lending & Real Estate.

Vianney V.

My review is based on my experience working with Jaime Irachera. The guy is extremely rude and disrespectful. He does not read his emails, does not communicate, and does not listen. I have no idea why Wilson Homes would use someone like this as a preferred lender. Due to our terrible experience we were able to go with a different lender. Avoid this guy by all means.

Rich R.

Universal Lending & Real Estate has helped me purchase two houses now and the process has been flawless and painless. Kyle really knows the market in the valley and provides the absolute best service. The entire office staff is professional and personable, they treat you like family. I would definitely recommend Universal Lending & Real Estate.

Zachary R.

Universal Lending has a team of amazing professionals that get the job done! Their in-house lenders, processors, and real estate agents are some of the best in the Valley! They make the home buying process simplified and easier! Highly recommend their services!

Diana G.

We were referred to Joshua Carousso at Universal Lending Company; he explained the process to us with the upmost and honest professionalism. We put our trust in Joshua and most definitely he came through for us. We will recommend him to every person that we know is in need of refinancing or buying their first home. Universal Lending Company gets an A+ rating.