Uriel Vargas

Specializing in Residential Loans

The UVC Financial Team is your premier mortgage team located in Santa Clara County. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Bay Area and the rest of California.


We will help you find the right financing solutions to meet your needs.

Today's Rates

We homeowners determine the right time to purchase or to refinance.


We can help you lower your interest rate and lower your monthly payment.


If you have any reverse mortgage related questions, we have the answers.

What are you waiting for?

Getting started is easy. We offer very competitive rates, have great service, and always close on time.

Local Loan Options

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Fixed Rate Mortgage

Home Refinance Loans

VA Loans

Reverse Mortgages

Conventional Loans

Home Purchase Loans

What our clients are saying

Yelp Review Stars

Timjor J.

We have just closed on our house, and that is all thanks to Uriel and his team. After a miserable experience with a couple of previous "brokers" where we were losing hope of ever getting information on a loan, Uriel was able to clear everything up in a quick and professional manner, and he was able to keep us informed all the way through the process. A pleasure to work with such a pro, and, as icing on top, he is such a kind and caring person too!! Thank you, thank you, thank you Uriel and the rest of the team at UVC Financial!!

Yelp Review Stars

Jeff T.

Uriel is great! He helped us on financing and refinancing our home. We were thinking about refinancing our home during the COVID-19 pandemic and out of the blue he called us asking if we wanted and of course we said yes. He is very knowledgeable and was very patient with us throughout the whole process of refinancing. Uriel guided us through everything and were able to get a real good, affordable rate. If you want a patient and good, trustworthy person to help with your home financing needs, I would highly recommended UVC Financial.