Those applicants with medical certificates or degrees will be eligible for the Unified Heroes discount as well as many other programs. These degrees include but are not limited to doctors, nurses, laboratory technologists, pharmacists, therapists, social workers, chiropractors, medical administrators, dental hygienists, and many more. Please check with our office if you qualify for this group.


  • Unified Heroes Program - up to $1,000 for moving costs on all purchases. 

  • First Time Home Buyer and Second Time Home Buyer Program with no down payment options.

  • Financing for a Single-Family Home, a two to a four-family unit, condominium or manufactured home.

  • No down payment to minimal down payment programs

  • Competitive low rates and very flexible credit criteria

  • Physician loan options including no money down, no PMI, and Student Loans treated in a special manner 

  • No Appraisal Fees


  • Unified Heroes Program - up to $500 Lowes Gift Card for remodeling. 

  • Rate and Term refinance up to 97.75% Loan to Value of the Appraised Value of your Home

  • Cash-Out refinance mortgage for home remodel & repairs or debt consolidation up to 80.00% Loan to Value

  • No Appraisal Fees 


NTQ Association

“Have worked with Spencer multiple times, always an excellent experience..”


NMLS # 134614

Company NMLS #1721971

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©2023 by Unified Lending

10808 S River Front Pkwy Suite 393

South Jordan UT 84095