Client Testimonials

We have a history of helping Montana clients find loans to fit their needs.  Don't take our word for it though, see what our customers have to say about their experience.

Less than 3 weeks from application to closing. This was the answer to my prayers after another lender's complete debacle. Trina and her team were in complete control of every aspect every step of the way. If you are looking for a local lender that will go to bat for you, look no further than Trina.

Jana Salsbury ~ Billings, MT

Trina is wonderful. She goes above and beyond her job. She gets things done! She is personable and a joy. I highly recommend her and her team.

Val Schwindt ~ Billings MT

Trina is amazing! She will go above and beyond for you and is there for you every step of the way! I'm so grateful for everything she did for us on our wonderful home buying journey.

Kirstie Linn ~ Billings MT

A wonderful team who helped us with the process of buying our first home! We really appreciate the effort they gave to helping us get the best interest rate possible and would highly recommend them to anyone trying to do the same. Thank you again very much Brian, Lori, Nadinne, and Jaidyn for making our dream of becoming homeowners a reality.

Whitney Adame, May 2018 ~ Billings

Thank you so much Brian for your help with financing and thanks Kelsey for helping us find the perfect place. You guys made the process so smooth and we're so excited to start our family in our new home!!

Harrison Hepp May 2018 ~ Billings, MT

Brian was so easy to work with. He always made himself available to answer any and all of my questions, and I had many, as this was our first home buying process. The whole process was smooth sailing and we are so excited to be in our new home thanks to you and your team. Thank you Brian! I will be making many recommendations to any close ones that are interested in purchasing a home!

Kendra Herbel, April 2018

Brian was excellent to work with and very responsive. He was able to answer all of my questions and get me to closing even with a sometimes difficult situation. I would recommend him to anyone looking for a home loan. Thank you Brian for getting me in my new home!

Krista Woods- February 2018 ~ Lewistown, MT

Brian was great to work with. He was available at any time and was honest and up front about the entire process. We had some bumps in the road, but Brian made sure to make our experience a great one. I feel that Brian truly had our best interest in mind at all times. If we had questions they were answered. If we needed more information on something we were given that. Being in a different town than our lender, I was a little nervous about what their availability would be; however, it was never a problem. Our experience was great and we would recommend Brian to our friends. Thanks for all your hard work Brian and your time.

Dylen Zetterberg McCrumb -January 2018 ~ Missoula, MT

A huge THANK YOU to Brian Hafner and everyone at Universal Lending for making the process of buying our house easy. It was such a good experience and Brian is extremely professional. He went above and beyond our expectations to make sure we got the loan we needed. I would recommend using him 100% for your next loan or if you need to refinance. Thanks again Brian!

Melissa Cunningham ~ Billings MT

Pam is AMAZING. She is so knowledgeable about the whole loan process. I could call her or email her anytime and ask any questions, which I did often. Pam was there and I know she truly cared to get us in a home in a timely matter, which happened to be right before Christmas. I am very thankful for Pam and her team, I would recommended them to everyone.

Britin Leigh Cross ~ Billings 12-24-17

In this fast-paced world, old-fashioned "customer service" appears to be relegated to the past. We had frankly given up on the concept, particularly in our current world, where it's the "bottom line" that is the goal, and service has all but vanished. That being said, we would like to state that our experience with ULC's local staff was anything BUT lacking in customer service. We wished to refinance our "second" home, in preparation for retiring there. Obviously, information and documentation of our finances/obligations were required. During the acquisition of this data, there were unexpected roadblocks. ULC received inaccurate and outdated information, that needed clarification. The situation, at times, appeared to be completely insurmountable. The process was difficult and frustrating, at best, related to bureaucratic mazes and inefficient systems in place in the banking and travel industries. However, Pam Strietmatter and Nadinne Cleveland were undaunted. Nadinne and Pam were OUTSTANDING and consummate professionals in their pursuance of the accurate information necessary for loan approval. Their follow through and dedication were unmatched. Their professionalism in successfully "sealing the deal" was a rare and unexpected bonus to this difficult process. We wish to express our sincere thanks and gratitude to them for their dedication and commitment. Respectfully,

Tracy and John (N/A) ~ Billings, MT

Pam Strietmatter and Nadinne Cleveland were AMAZING to work with! They were so helpful, knowledgeable, professional, and very courteous to my needs and wants. This team worked hard to get me the best rate possible, get my payments where I needed them, and just made the whole process easy and stress-free. I would highly recommend this team and won't hesitate to use them again!

Kimberly C

Your customer service was exemplary and I really appreciated your straight forward approach. After meeting with you for a short time, I fully understood all of my options and understood what path would work best for me. In addition, you were prompt in answering any follow up phone calls or questions I had and answered them thoroughly. I know that your attentiveness to my refinance was a major part of my refinance going through as smoothly and as quickly as it did. Thank you for helping my first home refinance be a pleasant experience. I would be happy to recommend you (and I already have) to everyone I know who is looking to refinance their home.


The closing went excellent and we were all singing your praises! You did an excellent job & everyone is really happy!! Hope both Jodi and I get to send you some business in 2015!! Thanks Again!

Brem ~ Montana