Our Mission:


Being there for you 100% of the time is our mission. From the beginning till the end, our team will be sure to make your entire loan process as seamless and paperless as possible with honesty and integrity.

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Meet Matthew Cole

The man behind your mortgage deals. Matthew Cole has been in the industry for over 20 years. He is the top 1% lender in the United States and currently the top 10 lenders in California.

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Our Impact

For over 20 years we have partnered with the best of the best realtors. Worked with amazing clients. Closed thousands of deals. Our goal has always been to make an impact and no better way than getting families into their dream home.

Our sole focus is to find the right loan for our clients based on their financial situation.



Buying a home is one of the largest financial decisions you will make and obtaining the right loan program is critical to your overall financial health.



If you have questions — we have the answers. How much can I afford? Can I get help with a down payment? What are my loan options?




When purchasing a home, it’s important that you understand the difference between a “pre-qualification” and a “pre-approval”. Getting pre-approved will strength your negotiating power.


Our Programs

We offer a variety of mortgage services to suit your needs. We love what we do and it shows in our work. Rest assured that our talented team will assist you throughout the entire mortgage process. Any loan officer can orchestrate a refinance loan for their clients, but we have elected to take on a more demanding role in the purchase side of real estate.



Have you customized the purchase or construction of your home? Need to customize the mortgage that you will be paying on it? Then Matthew Cole United Wholesale Lending is here to help. Our brokers are here to work with all of the custom details needed for your mortgage to go along with your new home and property. Your balance is our first goal.

FHA SPecial programs

Are you buying your first home? In need of specialty programs to get an affordable mortgage and ensure that your loan is approved? Matthew Cole United Wholesale Lending has a number of brokers available to help with customized FHA loans or the national program if you wish to enroll. It is our goal to make sure that your new home is on an affordable monthly rate and that everything will be manageable.

Mortgage Assistance & Planning

Having trouble deciding what mortgage will work best with your family and your home? Then Matthew Cole United Wholesale Lending is here to help. Our brokers are experienced in mortgage assisting and planning, working with all details about your home and financial needs combined. We are here to make sure al of your needs are met, working to help you forward with a comfortable and happy life.


Is it time to refinance your mortgage? Matthew Cole United Wholesale Lending is here to make sure you get the most efficient loan approval process and help improve your mortgage payment. Our brokers are here to work with you help make sure that your home mortgage meets all of your needs, helping to improve your personal finances at the same time.

15-year mortgage

Looking to have a shorter home mortgage for your new purchase? If you only want 15 years to pay off your mortgage, our brokers are here to help make sure your mortgage details are complete and exactly as you desire. Matthew Cole United Wholesale Lending is here to work for you, with our goal to ensure that every detail of your loan meets your needs and requirements.

30-year mortgage

Matthew Cole United Wholesale Lending is here to work for you. With the purchase of your new property we are here to help close your standard 30-year mortgage. Our brokers work to meet your needs and goals as the priority, with every detail of your mortgage to meet your financial details. You are our number one goal.


October 2017

Matthew made this process easy and with as little stress as possible. He explains every step and puts your mind at ease.
His staff is also very friendly and is quick to assist with any questions you may have.

- Gina M.