Home Loans Simplified

We’ve earned the trust of our partners, let’s earn yours!

Fast and friendly home financing

We are home loan experts dedicated to ensuring your home purchase or refinance experience goes smoothly, seamlessly, and stress-free. Here’s what you can expect:

Schedule an appointment

We connect to talk about your credit, home loan needs, and we’ll manage your expectations. We’ll review loan options and guide you in picking the program and interest rate that makes the most sense.


We prepare your application and gather as much as we can upfront. We’ll then inform you what additional documents are needed, including tax returns, pay stubs, bank statements, and employment history.

Appraisal and Underwriting

After receiving your paperwork, we’ll order an appraisal, title insurance, tax transcripts, verify employment, and gather what’s needed for closing. Our loan processor reviews your file to “pre-underwrite” your loan, then it’s submitted for underwriting.

Loan Approval

Your loan is approved, but it comes with conditions that must be met before it can close. You’ll receive your loan commitment subject to those terms. Your loan officer will work with you to resolve these conditions immediately.

Loan Closing

We’ll assemble the needed documents outlined in your conditional approval and the third-party paperwork we ordered on your behalf. We’ll then submit your entire package to the underwriter for the “clear to close” on your loan.

underwriter for final approval

The underwriter reviews your loan, confirms that you have met all of the conditions, and signs off on final approval. Your loan is cleared to close!


We’ll schedule your closing, gather the final paperwork, and confirm the total funds needed. Congratulations – You are now a homeowner!

Our Products

Home Buying

Whether you’re a first-time buyer or looking to upgrade to a bigger and better home, we’ll find the mortgage that makes the most sense for your situation. We’ll secure your lowest rate and assure a hassle-free home loan experience.


With the current record-low rates, you can save a lot of money by refinancing. Draw on the equity on your home, switch from an adjustable-rate to a fixed-rate, or choose a shorter-term loan. Let’s see if a refinance is right for you!

Been Denied Before?

If you’ve been denied a home loan in the past, don’t be discouraged. Take the first step and contact us today to find the home loan solution that best meets your current needs.
  • 5 star review  My wife and I worked with Paul for our initial loan and had such a great experience that we used him again for our refinance 9 months later. Both times Paul was extremely responsive and knowledgeable. He clearly demonstrated a deep specialization and high level of expertise and we are confident we would not have gotten the great rate and low closing costs had we went with another broker. He was always available for phone calls to answer any questions and provided timely updates throughout the process. Thanks Paul!

    thumb Oleg Manzyuk
    December 8, 2020

    5 star review  Paul was recommended to us several years ago by a mutual colleague. My wife and I are real estate brokers, having been in the real estate business for over 15 years with 200+ home sales in the greater Sacramento region. Paul has done financing for our personal homes as well as dozens of home loans for our clients over the years. Paul always performs on time and delivers the best possible rates. If your looking for a mortgage professional with the utmost integrity, Paul Bozek with Unified Home Loans needs to be your first call. We highly recommend Paul!

    thumb Jason Lewis
    September 9, 2020

    5 star review  Very fast and efficient refinance of our home loan. All questions were answered. Very professional service with amazing rates. Highly recommend.

    thumb Bonnie Gorman
    September 16, 2020
  • 5 star review  You are my loan man forever . thank you for the great job.

    thumb Sam Sabbagh
    September 9, 2020

    5 star review  Paul is absolutely the only person I go to for mortgage finance. I highly recommend him for his great work!

    thumb dhsgunner dhsgunner
    September 18, 2020

    5 star review  Paul is just an awesome guy. He helped my parents, my brother, my wife, and I restructure and refinance some very complicated mortgages/loans. He works hard, he's patient, he's very knowledgeable and has a great feel for the housing market and interest rates. Finding someone you can trust when it comes to finances can be difficult. Paul is someone you can trust. He's a great loan officer. More importantly, he's a genuinely good guy.

    thumb Douglas Canlas
    September 16, 2020

    thumb Steven Stallings
    September 30, 2020

    5 star review  Paul is an honest and upstanding mortgage broker. After having a "bait and switch" experience with Wells Fargo Mortgages a few years ago, my wife and I decided to look for a local broker to refinance given the historically low rates this year. We had a few hang ups during our process, due to my unique small business situation and new rules with Fannie/Freddie, however Paul was a professional through the whole process. He was forthright, prompt, and courteous and even when our initial application and loan was estimated with appraisal cost covered, our finalized loan did not reflect what we discussed, he actually comped that himself. In the end we ended up saving close to $600/mo with the refinance and are extremely happy with the results. We would highly recommend Paul on anyone pursuing a refi.

    thumb Benjamin Reece
    October 1, 2020

    5 star review  Paul is the BEST, period! It's not just the fact is looking out for OUR best interests, it's how he does it - with accuracy, speed and thoroughness - all while offering outstanding, truly honest, customer service. As a local business owner, having dealt with his services over and over for many years, I trust and highly recommend Paul.

    thumb Cristian Valcu
    September 10, 2020
  • 5 star review  From the start Paul was impressive with his knowledge, work ethic and professionalism. He is quick to respond, performs on time, and always has the best rates. It helps in this competitive market to have someone you can trust to get the deal done, and Paul is that person! We’ve worked with him for several years now, not just for our own personal financing, but have also recommended him to our family and friends for all their financing needs. If you’re looking for someone to help you with a purchase of a home, or a refi on your current home, give Paul at Unified Home Loans a call!

    thumb Tiffany Lewis
    September 9, 2020

    5 star review  Paul was amazing to work with. Very thorough, timely and always willing to answer questions. After trying two other loan officer, Paul's name was given to us and we are so happy we went with him. We also got the best rates. Don't waste your time looking for someone else, call him today! 🙂

    thumb Danielle Canlas
    September 15, 2020

    5 star review  It was a true pleasure working with Paul, he is very knowledgeable and exceeded our expectations! It’s not easy purchasing a home when you are relocating from out of state but he made the transition very smoothly... He promptly answered every call and every text message. Every question or concern we had was quickly resolved by him. I appreciate very much the patience he had and would highly recommend for anyone looking to purchase a home. Paul will be from now on our go to guy when purchasing a home! 😃👍

    thumb L Singh
    July 18, 2020
  • 5 star review  Paul helped me get my first home and now get my second one!. Highly recommended, very patient and knowledgeable. It’s been a pleasure both times and will continue to work with him in the future

    thumb AE Lopez
    August 9, 2020

Partner with us

Our business is expanding, and we invite you to become unified with us for your own career growth!



Unified Home Loans partners up with the area’s top-producing loan officers, and helps you make the most of your mortgage career.
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