James Sullivan

Tel:  1-714–267-1844

Fax:  1-800-891-6510


Email:  jsullivan@unitedloancenter.com

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California Bureau of Real Estate, License #01904009 • Nationwide Mortgage Licensing System & Registry (NMLS), License #806124

We recently just refinanced our home with Chris Grant and James Sullivan and could not be happier with the process! Chris and James were amazing when it came to explaining every little thing that was going on and answering every single question we had. They made it very easy and stress free. Brett W. Of Temecula, CA.

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James Sullivan

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To find out which loan program works best for you, read through the diverse loan options below and choose the one that fits your needs and preferences. United Loan Center works with the leading lenders in the industry to provide the following types of loans. United Loan Center is committed to helping you find the right home loan mortgage for your needs. We understand that every borrower is different, and we offer a variety of loans to meet your individual requirements. We make the process of securing a home loan mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Loan Programs

United Loan Center is committed to helping you find the right home loan program that fits your needs


FHA loans are an attractive option, especially for first-time homeowners with lower down payment requirements.

FHA 203K Streamline

This type of loan enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage.

VA Streamline Refinance

The VA has created a program called the VA Streamline Refinance to provide a way for current VA homeowners to lower their interest rate with little or no out-of-pocket costs.

HomePath - 3% Down & No MI

Fannie Mae has come out with a special financing program called HomePath Mortgage Financing where people who buy homes currently owned by Fannie Mae can get a special deal on HomePath mortgage loans.

CHDAP -Down Payment Assistance

The CHDAP provides a deferred-payment junior loan – up to 3% of the purchase price, or appraised value, whichever is less, to be used for their down payment and/or closing costs.

With a Conventional Fixed Rate Mortgage, the interest rate does not change for the term of the loan; the monthly payment is always the same.

Conventional Fixed Rate

FHA Streamline Refinance

If you own a home you still owe mortgage payments on, chances are you’re examining your refinancing options.


Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.


If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP).

DU Refi Plus

Home Affordable Refinance provides refinance opportunities to borrowers with existing Fannie Mae loans who have demonstrated an acceptable payment history on their mortgage.


The mission of USDA Rural Development’s Single Family Housing Guaranteed Loan Program is to assist low to moderate income rural homebuyers achieve their dream of homeownership!

ARMs (“Adjustable Rate Mortgages”) get their name from the fact that their interest rate is periodically adjusted by the Lender.

Adjustable Rate

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James Sullivan Mortgage Consultant