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.

  THANKS PAUL BOZEK AND UNIFIED HOME LOANS!

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

  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! 😃👍

  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!

  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

  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!

  You are my loan man forever . thank you for the great job.

  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.

  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.

  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!

  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! 🙂

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