WHO WE ARE
Whether you are in need of new financing or a refinance on your existing property; whatever your mortgage loan needs, and anywhere they may be, United American Mortgage can assist you by providing you with our top-notch service and expertise.
Closing loans since 1988. Dean has personally closed mortgages for more than 4,000 homeowners. He has also trained and assisted over 100 loan officers to help achieve their goals. He is a certified military housing specialist and is experienced in investment properties, first time buyers, family estate financing, VA loans, short-sales, and foreclosures. He’s been a guest speaker for many real estate offices and a member of the National Association of Mortgage Bankers for over two decades.
Review testimonials from some of our happy clients or signup to receive our free monthly blog-news email to stay in touch with the latest news, resources and information provided courtesy of United American Mortgage Corporation.
“On behalf of Gayle and myself, I want to drop you this note of thanks for so efficiently and professionally handling our recent new purchase financing transaction. I recognize that a 30 escrow time period was a challenging task, especially in December, but was not surprised when you met every deadline and our financing was completed on time. We have used you twice over the last 2 years and our experience, each time, has been extraordinarily easy and successful. We are happy to write this letter of thanks and recommendation, and will be recommending you (as we have already done), to all of our friends. Thanks again to you and your team for helping us with our new home loan process.”
La Quinta, CA
“To future homebuyers,
I had used a previous lender that claimed they were experienced in processing VA loans, but due to their lack of knowledge, the loan for the home I wanted fell thru.? After finding Dean, I was still a little leery of lenders claiming they knew how to process a VA loan, but Dean and his staff worked with us daily, if not hourly, to collect all the required paperwork. What is even more impressive is that Dean was able to process our loan within the 30 day requirement by the seller over the Christmas holiday period. I am happy to say I am happily enjoying my new home, and would not be in it without Dean’s assistance. I highly recommend Dean Rathbun for a home loan, and especially to veterans who plan on using a VA loan.”
CDR Philip L.C.
Costa Mesa, CA
“Suzy and I just wanted to acknowledge what a pleasure it was to work with you and Sandee on the recent refinancing of our 2 investment properties in Bakersfield, CA. Your expertise and professionalism throughout the loan process made doing business with you a true pleasure. We were always treated with respect and felt like we received great advice on the current refinancing market. Your team worked hard to see that we got the best rates available for our properties and we received good value as a result of your services. We have had the opportunity to have done multiple transactions with your firm, and will continue to engage your services for our future financing needs. We will also not hesitate to recommend your firm to our friends and relatives who need financing services, whenever the opportunity arises. We have truly enjoyed our relationship with you and your company, and look forward to working with you again.“
Sandee M. & Suzy H.
“If I could give Dean 10 stars, I would gladly do so.?Dean has become a true blessing in my business and in the lives of my clients. I have done a few transactions with him, and he has never disappointed. He has always exceeded my expectations. Dean is by far the most responsive Loan Officer I have ever dealt with and in my line of business, timing is everything. I never have to worry when Dean is involved with one of my escrows, because I know he and his team will always take care of my clients. If you are looking for someone who under promises and over delivers, Dean and his team are it. Thank you so much for all your hard work and dedication for always providing excellent customer service.“
Regency Real Estate
“Dean Rathbun’s team at Avis Mortgage were terrific to work with. They were available to answer our questions and assist us with navigating through the loan process and paperwork. We got an incredible interest rate and I would highly recommend them to my clients and friends.“
Paul & Gina P.
“We recently used Dean Rathbun to help us in acquiring a new mortgage. We found him to be pleasant, professional, helpful and efficient. His staff were helpful, organized and got the job done! We did not feel stressed nor inconvenienced and that is seldom the case when procuring a mortgage. Both Jim and I would highly recommend Dean and his staff when looking for a new mortgage or managing an existing mortgage.”
Lynnda and Jim McBride
La Quinta, CA
“We really never say it enough to each other as we are always so busy every day, but just wanted to pause for a moment, and let you know how thrilled everyone is with the speed and efficiency you guys got this done for Misty.
She and I couldn’t be more happy with the service you are giving her and the sellers are beyond thrilled because they can now release contingencies early on their new home.
Thanks for making my job SO much easier and less stressful. I sleep better at night knowing you that you guys are taking great care of my buyers.”
“Now that we are back in CA and things have calmed down, Corey and I just wanted to say thank you again to you both.
The sellers made our lives difficult from opening to close but you & your team made never added to that stress.
We were a little nervous that you wouldn’t have enough time to close, and the sellers would not approve an extension, but thank God we didn’t have to go that route.
We really appreciate the quick reply to emails and the great communication the entire transaction.
Keep up the good work… it is noticed and GREATLY appreciated!
Talk to you on the next purchase or refi on this one..lol..!”
Michelle & Corey
WHAT WE OFFER
Buying a home represents a major financial decision. Depending on the term of your mortgage, the decisions you make about your lender today could have an impact on your financial outlook for the next 15 to 30 years. That’s why, when it’s time to buy your home, it makes good financial sense to make sure you select the best lender for your needs.
At United American Mortgage, we work with leading lenders nationwide, so we can help you find the best loan at the best rates and terms for your specific financial needs – even if your credit isn’t perfect. We’ll begin by looking at your unique financial picture including your credit profile so we can target the lenders who are most likely to offer you the best deals. Then we scour our network of lenders to identify the ideal match.
The Advantages of Pre-Approval
Few things are more disappointing than making an offer on a home, only to find you’re unable to get the financing you need in time for the close of escrow. At United American Mortgage, we’ll work with you to help you navigate the pre-approval process so you can complete all the paperwork you’ll need to submit to be pre-approved. Once you’ve been pre-approved, you’ll be in a much stronger position when it comes time to make an offer on the home you want because buyers will know your offer is “for real.”
Unique Solutions for Every Customer
At United American, we’ve worked with thousands of home buyers, helping them achieve their dreams of home ownership. We understand that each buyer has unique needs, and we take the time to treat each loan individually to ensure the best fit.
If you’re interested in learning how you can get the best loan for your needs, we’re ready to help.
Refinancing can be a powerful tool to help you plan a more profitable financial future, but they key lies in finding the best refinancing lender for your objectives and needs. Are you interested in a lower rate? A longer or shorter term? Perhaps you want to refinance to pull equity out of your property to provide funds for a purchase or other investment. Or maybe you want to refinance to consolidate other higher-interest loans into one lower-interest loan with a single payment. There are lots of reasons why people refinance, and lots of lenders waiting to compete for your business. At United American Mortgage, we’ll work hand-in-hand with you to find you the refinancing lender that matches your goals and financial objectives.
Network of Lenders to Serve Your Needs
United American Mortgage is recognized as a leader in helping homeowners find the refinancing loans they need, offering clients more than 25 years of expertise and experience. We have access to a nationwide network of top-rated mortgage companies, so you can find a lender whose rates and terms align with your needs. And we can also help you compare rates and terms to make sure you’re getting the best deal.
In recent years, refinancing has surged in popularity as homeowners have gained a new appreciation of the advantages it can offer them financially. Over the life of a loan, refinancing to a lower interest rate or shorter term can save you tens of thousands of dollars.
Let Us Help You Get the Right Loan for You
If you’d like to learn about how United American Mortgage can help you with refinance your mortgage, we’d love to speak with you.
Loans for apartment buildings and multi-family units have much different lending requirements than loans for single-family homes, which means that unless you work with a company that understands those differences and the challenges they can present, your lending process may be destined for frustration and even failure.
Most lenders have very specific underwriting requirements for these types of loans, and that means they also have very specific requirements when it comes to the application and approval processes. Without an experienced mortgage expert at your side, it’s easy to make errors that can wind up derailing your loan process, resulting in costly delays or out-and-out denial of your application.
Network of Lenders Means More Choices for You
At United American Mortgage, we work with developers and investors every day to help them find the loans they need based on their own unique objectives. As experts in the lending industry, we help our clients understand the lending process, beginning with an analysis of each client’s needs. Then, we tap into our network of top-rated lenders who are actively seeking loan applicants just like you, so you can be assured of getting the most competitive rates and terms based on your financial profile and goals.
Whether you’re looking for a loan for new construction or for an existing apartment building or multi-family unit, we can help you get the loan you want without closing delays, and we can provide you with expert help and guidance throughout the process to eliminate hassles and headaches.
We Can Help
Want to learn how we can help you get the financing you need for your construction project or building purchase?