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curated credit expertise with

Kim Meche

Kim Meche

NMLS #121399

Residential Mortgage Loan Officer

Learn More about your mortgage professional:

Kim Alford Meche is a Residential Mortgage Loan Officer with Universal Lending. She joined the team in 2001 and has been a specialist in the finance industry for 39 years. She is passionate about making a first-time homebuyer’s dream become a reality, often taking the extra step of educating borrowers on the home buying process. Kim offers all residential loan types including Conventional, FHA,VA, USDA, Renovation loans, Manufactured loans, and One-time Close Construction loans.

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who can give you quick and accurate financial advice. As an experienced loan officer Kim has the knowledge and expertise you need to explore the many financing options available. After you’ve applied, Kim will call you to discuss the details of your loan, or you may choose to set up an appointment with her. I look forward to working with you.

Universal Lending Services, Inc.
NMLS #: 88017

Kim Meche

NMLS #121399

Residential Mortgage Loan Officer

Universal Lending Services, Inc.

Certifications: n/a

Learn More about your mortgage professional:

Kim Alford Meche is a Residential Mortgage Loan Officer with Universal Lending. She joined the team in 2001 and has been a specialist in the finance industry for 39 years. She is passionate about making a first-time homebuyer’s dream become a reality, often taking the extra step of educating borrowers on the home buying process. Kim offers all residential loan types including Conventional, FHA,VA, USDA, Renovation loans, Manufactured loans, and One-time Close Construction loans.

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who can give you quick and accurate financial advice. As an experienced loan officer Kim has the knowledge and expertise you need to explore the many financing options available. After you’ve applied, Kim will call you to discuss the details of your loan, or you may choose to set up an appointment with her. I look forward to working with you.

Universal Lending Services, Inc.
NMLS #: 88017

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Score & Credit Basics

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Learn all about mortgage rates, types of loans, cost breakdown, and more.​

Buyer Alert

Learn all about trigger leads, things to be aware as a home buyer, mortgage relief, and more.

Credit IQ

Test your credit knowledge with our Credit IQ quizzes. Are you ready to be a homebuyer?

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What is your score sense?

Score & Credit Basics Quiz

1 / 8

Closing an account can negatively affect my credit score

2 / 8

A soft inquiry will not affect my credit score

3 / 8

A delinquent payment does not affect my credit score

4 / 8

The mortgage industry uses Vantage Scoring instead of FICO

5 / 8

I can check my credit for free once a year

6 / 8

It takes a long time to improve a credit score.

7 / 8

Credit scores fluctuate frequently

8 / 8

If I have a high income, I will have a higher credit score

Your score is

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Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

If I pay an account in full, it’s removed from my credit report

2 / 9

My credit report includes my medical history

3 / 9

Bad credit stays with me forever

4 / 9

Rental history will appear on my credit report

5 / 9

Having late payments are acceptable as long as I pay

6 / 9

Poor credit history can prevent me from getting hired

7 / 9

My credit report includes my social security number

8 / 9

I should not buy furniture for my new home before closing

9 / 9

Leasing a new vehicle will result in a hard inquiry on my credit report

Your score is

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Do you have the know-how to score a mortgage?

Buyer Alert Quiz

1 / 10

If I need a mortgage modification, the best place to start is by contacting my mortgage company.

2 / 10

It’s ok to omit something from your mortgage application if your lender says it’s OK.

3 / 10

Mortgage relief companies can keep your home out of foreclose for a fee.

4 / 10

Opting out of trigger leads guarantees I won’t be contacted.

5 / 10

You can go to jail if you provide false information on your mortgage application.

6 / 10

I do not need a credit repair company to help improve my score.

7 / 10

There is no such thing as a legitimate credit repair company.

8 / 10

Trigger leads are illegal.

9 / 10

Buying a tradeline can hurt my credit score if the owner of the tradeline defaults on the loan.

10 / 10

There are rules that debt collectors must follow when trying to collect a debt.

Your score is

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Kim Meche

Residential Mortgage Loan Officer

NMLS #121399