Universal Lending is an equal opportunity lender, working with 20 different banks, & servicing the Wisconsin and Minnesota area. Each of our Mortgage Specialists have over 10 years of experience. Universal specializes in all areas dealing with home loans, refinances, mortgages, & purchases. No money down programs, no closing cost options, FHA, conforming loans, Fannie and Freddie loans. FHA streamlines that do not require an appraisal. USDA and VA loans that require no money down.