With 21 years of mortgage experience, Cindy has helped countless clients navigate the home loan process with confidence and clarity. Whether you’re a first-time buyer, upgrading to your dream home, refinancing, or exploring specialized programs, her goal is to make financing as simple and stress-free as possible. She has expertise in all loan programs available, giving her clients the flexibility to find the right fit for their needs. Her approach is personal - taking time to understand goals, answer questions, and keep clients informed every step of the way.

John Oyoung brings a unique perspective to helping you with your home loan, having sold new homes for 9+ years prior to entering the mortgage side of the business. This experience brings a clear understanding of your expectations and demands of a lending partner. Along with 20+ years of mortgage experience, most of as a preferred lender for new home builders. John continues to increase his knowledge to better support his agents by attending builder education classes and serving as a director for the North State Building Industry Association (BIA). In addition to being licensed with the National Mortgage Licensing System (NMLS), John holds a California Real Estate Broker License, and has earned the Certified New Homes Marketing Professional (CMP) and the Graduate Realtor Institute (GRI) designations. John will be here to help you through the path to home ownership.

With over 20 years in the mortgage industry, Stefanie brings extensive experience in residential lending and to Universal Lending Co. As a Certified FICO Expert, she specializes in helping clients understand how credit works and how to use it effectively to maximize their financing potential. Her approach is built on listening and educating, working in tandem with clients to make the home buying process as stress-free as possible while tailoring her communication style to fit each client’s needs.

Sylma Yendunian was born and raised in Southern California and has been a Loan Officer for over 30 years. She is a dedicated professional with proven performance in management, leadership, and communication. With detail-oriented skills in problem-solving and planning she is determined to make a lasting contribution to ULC and help homeowners achieve their dreams. She has worn multiple hats throughout her career and likes to spend time with her family and her two cats. She also unwinds by traveling, attending concerts and plays.