Calling all medical professionals, first responders, veterans, law enforcement, and educators…

Get up to a $1,000 discount towards closing costs when buying or refinancing a new home



Through the Unified Heroes program, Firefighters, Law Enforcement, Military,
Nurses, and Teachers can save up to $1,000 on closing costs. 

Spencer at Unified Lending was wonderful to work with! When I first contacted him to refinance my home the interest rates were not low enough to benefit me but Spencer contacted me several months later to let me know that the rates had gone down even lower and he was able to get me the lowest interest rate I could have ever imagined. Everything was done online and was slick and easy! Everyone there was knowledgeable, friendly and always responded in a reasonable amount of time. I would recommend Unified Lending for all your mortgage needs! -Shirley Morgan

I worked with Ryan Stuart at Unified to refinance my home and it went perfectly smooth. The process was easy, uploading documents was easy and quick and Ryan took care of all the leg work for me. He was also really good at keeping me informed during the entire process so there were no issues or miscommunications. I would highly recommend them for any of their services and would use them again if I need to. Refinancing was almost too “easy” and not a headache at all. Thanks again. – Cory Hester

SThis is my second home that I bought and did a Refi with Unified Lending. They are always amazing to work with. Their instructions and requests are very clear and timely. They always respond to my questions quickly with honest answers. I have so much trust in them and would not go anywhere else. Spencer is amazing to work with. Don’t waste your time looking anywhere else. You will be satisfied with their service! – Shawnda Estrada

Everyone that we worked with during our refinance was amazing! Spencer runs his business efficiently and professionally. We appreciated the dedication and communication of the team. They were always willing to talk, provide information, and clarify the lending process to make it a delightful experience. We highly recommend this company!! – Taylor Manning


I wholeheartedly recommend Spencer Stott and Unified Lending. I am especially appreciative for the Unified Heroes Program they offer.

From start to finish the process was great. Documents were easily uploaded and pre-approval was a breeze. He also referred us to an amazing Realtor. His whole team was great about communicating and helping us through the loan application and final closing process. Thanks for going the extra mile Bret!

I always felt confident about not having any issues with funding etc. that you often hear about. They were wonderful to work with and I have already been telling friends and family about them. – Bradley Johnson

Was able to quickly and easily refinance with Unified Lending. I worked with with the most talented processor on the team, Whitney. Whitney was absolutely amazing. She made the process so easy. She was on top of each step and was available anytime I had questions. I would recommend Whitney’s service to my closest friends and family. – Brock Stuart




  • Unified Heroes Program – up to $1,000 given to help cover closing costs.


  • 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 flexible credit criteria.




  • Unified Heroes Program – $1000 credit towards closing costs is given to the Hero.


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


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