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It is important to note that United Benefits financial programs originated as a financial service to borrowers/clients of Benchmark mortgage (Winton, Ca.). Through unprecedented demand for mortgage restructuring alternatives and the need for national solutions to overcome borrower defaults, United Benefits was elevated as its own free standing national entity in 2008 to meet the growing demands of the national banking crisis.

In 2009, the entire Benchmark Mortgage Branch (Winton CA. ) became the operational management of United Benefits and its financial services program. (Click here to view “our reputation” and “experience” as what we accomplished and represented when we were part of the Benchmark family)

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About Us

United Benefits is a financial resolution organization staffed by today’s top financial professionals in asset based and non asset based risk management. With more than 20 years experience in banking and mortgage banking related fields; United Benefits has the industry leading financial programs which allow for the restructuring of financial strategies to better serve the evolving circumstances of today's borrowers.

All programs are designed to respect and protect a borrowers fundamental right to a quality of life and an opportunity to restructure commitments in relation to

  • Foreclosure Prevention
  • Forebearance
  • Financial Restructuring
  • Credit Counseling
  • Home loans and Re-finance
  • Loan Modifications
  • Mitigation
  • Credit Restructuring
  • Financial Counseling
Strength In Representation

United Benefits CEO is the former Branch Partner and Branch Manager (Winton, CA.) of the nationally respected mortgage banking operation of Benchmark Mortgage. Benchmark Mortgage is a nationally recognized mortgage banking financial institution licensed in all 50 states with more than 250+ branches nationwide.

With more than 20 years of combined experience in investment banking, mortgage banking, financial consulting and debt management

The United Benefits has the strategic financial restructuring programs that bridge the gap between the borrower/lender relationship and the financial hardships that separate them

United Benefits begins immediately by protecting and insulating the client (borrower) through implementing financial strategies to overcome the effects of changed lending policies (i.e., terms and conditions)

Why we're needed

It is defended by lenders that declining economic environments justify routine adjustments in their lending terms. When borrowers enter financial hardships lenders implement financial strategies to address institutional risk (solely protecting themselves).

Often times these changes lead to a total breakdown in the willingness and/or ability of the borrower to continue the relationship (i.e., interest rate hikes, accelerated balloon notes, max negative amortization ceilings on home loans, reduced credit lines, reduced or suspended HELOCS, etc.)

Innovative, yet flexible modification principles result in manageable, acceptable financial solutions. All designed to rehabilitate borrowers in a timely and acceptable time frame as to resume the lender/borrower financial relationship.

Our relationships

Through its financial partnerships United Benefits has more than 200 major banks and financial institutions in its financial program.

Bank of America, Chase Bank, Countrywide, Wells Fargo and Citi Financial are just a few of the nationally recognized financial institutions that play an important role in bringing financial alternatives to today’s evolving housing and credit card crisis.

All is accomplished through a common sense approach combined with the National Employee Benefits Groups long standing financial relationships with the lending world. Secured with protecting clients’ rights through applicable law the end result is respect and resolution for our client (the borrower)