Amanda began her career in the design center of a local home builder. Over time, she discovered that her true passion was in finance, so she combined both interests and became a loan officer. For the past 18 years, she has worked as a loan officer and mortgage broker, guiding clients through the complex journey of homeownership. She is excited to continue this journey with ULC and to keep doing what she loves, empowering people through education and thoughtful guidance.

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.

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.

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.

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.

Tori has over 25 years of experience helping buyers achieve their dream of homeownership with the best financing options available. Skilled in all loan programs and committed to every detail, she has earned the trust of her clients by going above and beyond to meet their unique needs. Tori takes pride in guiding buyers through the mortgage process with clarity and care, ensuring they feel confident every step of the way.