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Elsa has been in the lending business for over 25 years in resale and new construction. She consistently stays up to speed with all the current programs and guidelines to remain competitive in this dynamic industry. Her expertise is in analyzing complex tax returns, business tax returns, and structuring loans. She works with each of her clients to provide precise mortgage information and help families become more innovative and responsible homeowners. In her spare time, she likes to spend time with her family, go on bike rides, and attend her kids’ gymnastic competitions and baseball games.

(714) 655-7879
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Richard Spadola is a seasoned Mortgage Loan Originator with over 25 years of experience helping clients achieve the dream of homeownership. Throughout his career, he has specialized in guiding borrowers through every step of the mortgage process with personalized service, clear communication, and a deep understanding of a wide range of loan programs and products. He is passionate about building lasting relationships with his clients and partners, and he takes great pride in making the home buying journey as smooth and stress-free as possible. With extensive industry knowledge and a commitment to excellence, he is dedicated to helping individuals and families find financing solutions that best fits their needs.

Lana McCormick brings 13 years of exceptional experience in Home Mortgage Lending. She is passionate about helping others, whether it’s guiding them through the process of purchasing their first home or assisting them in finding their forever home, she excels at making the dream of homeownership a reality. When she is not working with clients, Lana enjoys hiking, exploring new places, and spending time with close family and friends.

Amy Uhrich is a seasoned loan consultant who has helped over 1,500 families achieve their dream of homeownership through dependable financing. A graduate of the University of Florida and the Academy of Art University with a focus on interior architecture, she previously guided buyers through every step of the new homebuilding process. Passionate about helping people with one of life’s biggest purchases, Amy lives in Mount Dora, Florida, with her husband, son, and their pets.

Steven Rivera’s approach begins with understanding each client’s unique financial situation to find the perfect loan tailored to their current and future goals. He is committed to making the loan process seamless and efficient, ensuring a smooth journey from application to closing without ever compromising on exceptional service or quality. Whether clients are buying their dream home or refinancing their current one, Steven provides personalized guidance and expertise every step of the way to help make their home financing goals a reality.

Pre-qualification is an estimate, not an approval or commitment to lend. All loans are subject to credit approval, underwriting, and property conditions.

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Universal Lending Corporation, NMLS ID 2996, www.nmlsconsumeraccess.com, 6430 S. Fiddlers Green Cir., Ste 460, Greenwood Village, CO 80111, 303-758-4969, www.ulc.com. ULC

Licensed in: AZ – Mortgage Banker License #0927881; CA – Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act – License #41DBO-193853; CO – Mortgage Company Registration; FL – Mortgage Lender Servicer License #MLD989; OR – Mortgage Lending License #2996; TX – Mortgage Banker Registration; UT – Mortgage Entity License #7384716; WA – Consumer Loan Company License #CL-2996. This is not a commitment to lend. Equal housing lender logo Equal Housing Lender.