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.

With over 15 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.

With over three decades of experience, Tony has been a vital resource in his local community and the California purchase markets. Known for his commitment to quality, he has earned the trust of clients and associates alike. Tony supports both first-time and seasoned homebuyers in achieving their financial goals, believing that helping clients realize their American Dream is deeply rewarding. Outside of work, he enjoys family time, attending Little League games, RV camping, working out, and spending time with friends. He is also an active member of his Christian church, where he enjoys continuing to serve others.

Vivian Phung is born and raised in Asia where she learned to speak 4 languages: English, Cantonese, Mandarin, and Vietnamese. She has been a Loan Officer for over 7 years and is a dedicated professional with proven performance in client engagement, loan origination, and communication. She is ready to tackle all your loan needs and concerns. Her approach and deep understanding of the home lending process will make your home purchasing process stress-free and seamless. In her downtime, she enjoys spending quality time with her family, reading news, and listening to classical music.