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This Licensee is performing acts for which a real estate license is required United Wholesale Lending – Joe Valencia is licensed by the Bureau of Real Estate. NMLS: 2136253 and BRE: 02130206. Loan Approval is not guaranteed and is subject to lender review of information. Loan is only Approved when the lender has issued an approval in writing. Specified rates are subject to change with market conditions. United Wholesale Lending – Joe Valencia is an Equal Opportunity Mortgage Broker. United Wholesale Lending – Joe Valencia is approved to originate VA and FHA loans, and has the ability to broker FHA and VA loans to approved lenders. United Wholesale Lending – Joe Valencia is not acting on behalf of or at the direction of HUD/ FHA or VA. The Services referred to herein are not available outside California.