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Loan Products

As the #1 wholesale lender in the country, nobody does conventional loans like UWM. We combine competitive rates, groundbreaking tools and technology, and a fast, easy process to help you deliver a worry-free mortgage experience.

620+ FICO
Primary, second and investment properties
Loan amounts up to county loan limits
Eligible for primary, second and investment properties on purchase, rate/term and cash-out refinances
LTVs as high as 97% on purchase and rate/term refinances
LTVs as high as 80% on primary home and 75% on second home and investment cash-out refinances
High Balance available for loan amounts over the county loan limits
Temporary Rate Buydowns available
Available on single- and multi-wide manufactured homes, co-ops*, condos, PUDs and One-Time Close New Construction loans

*Applicable in New York only.

A cash-out refinance option up to 89.99% LTV with a simplified process and a competitive interest rate — all without the addition of mortgage insurance.

680+ FICO
Loan amounts up to the conforming loan limits
Minimum LTV 80.01 to maximum 89.99%
No mortgage insurance required
30-year fixed only
Max DTI determined by DU/LPA, but not to exceed 50%
If paying off first-lien mortgage, only 6 months of seasoning required
Primary residence only

The obvious choice for your top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, UWM's Elite program allows you to close quickly, while generating solid referrals.

700+ FICO, up to 80% LTV
Loan amounts from $125,000 up to county loan limits
Eligible for primary, second and investment homes
Appraisal Waivers honored
Includes conventional and high balance
Available on single- and multi-wide manufactured homes, co-ops*, condos and PUDs
Temporary Rate Buydowns available

*Applicable in New York only.

Elite MI combines competitive lender-paid mortgage insurance and borrower-paid pricing, which means you only have to go one place to deliver a lower payment for your 620+ FICO borrowers. And since UWM is delegated with the MI companies, you can get the mortgage insurance certificate in minutes, not days, saving time during the loan process.

Among the lowest mortgage insurance rates in the industry
No overlays
No adjustments for DTI or number of borrowers
Starts at 620 FICO

Time is of the essence with every borrower. Don’t wait while your borrower shops around—give them competitive rates and close their high balance loan with incredible speed!

Loan amounts from $832,750 up to county loan limit
LTV's as high as 90%
620+ FICO
Temporary Rate Buydowns available
Available on co-ops*, condos, PUDs and One-Time Close New Construction loans

*Applicable in New York only.

Elite High Balance offers some of the best conventional high balance rates and pricing for your top-tier clients. You'll receive industry-leading turn times, direct access to underwriting and award-winning technology with every loan.

700+ FICO
Up to 80% LTV
Loan amounts from $832,750 up to county loan limits
Appraisal Waivers honored
Underwrite to AUS findings
Includes conventional and high balance
Available on co-ops*, condos and PUDs
Temporary Rate Buydowns available

*Applicable in New York only.

Give your borrowers even lower rate options with our 5-, 7- and 10-year adjustable-rate mortgages

Conventional Elite 5, 7, and 10 year
- 700+ FICO, up to 80% LTV
- Primary, second and investment properties on purchase, rate/term and cash-out refinance
- $125,000 minimum loan amount
- Not available on manufactured homes
Conventional 5, 7, and 10 year
- 620+ FICO, up to 95% LTV
- Primary, second, investment, purchase, rate/term and cash-out refinance
- One-Time Close New Construction loans available for 7 and 10 year ARMs
- Not available on manufactured homes
Conventional Elite High Balance 5, 7, and 10 year
- 700+ FICO, up to 80% LTV
- Primary, second, and investment properties on purchase, rate/term and cash-out refinance
- Loan amounts from $832,750 up to county loan limit
- Not available on manufactured homes
Conventional High Balance 5, 7, and 10 year
- 620+ FICO, up to 95% LTV
- Primary, second, investment properties on purchase, rate/term refinance and cash-out refinance
- Loan amounts from $832,750 up to county loan limit
- One-Time Close New Construction loans available for 7 and 10 year ARMs
- Not available on manufactured homes
Temporary Rate Buydowns available

Qualify more first-time homebuyers with this 3% down payment solution.

CLTV must be between 95.01-97% if not a community second; between 95.01-105% if it is a community second
No income restrictions
Available in all geographic locations
Eligible for single family homes, including townhouses and condos
At least one borrower must be a first-time homebuyer
LPA only
95% minimum LTV
Temporary Rate Buydowns available

*Applicable in New York only.

Conventional options for borrowers looking to purchase with a low down payment or refinance with limited equity. Use the Fannie Mae Lookup Tool to see the subject property’s Area Median Income (AMI).

Purchases up to 97% including FTHB
Refinances serviced by FNMA eligible up to 97% LTV
Reduced Mortgage Insurance
High Balance available
Gift funds eligible for entire down payment
Available on single- and multi-wide manufactured homes with LTV up to 95%, condos, co-ops* and PUDs
Temporary Rate Buydowns available

*Applicable in New York only.

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity. Use the Freddie Mac Lookup Tool to see the subject property’s Area Median Income (AMI).

Up to 97% LTV
620+ FICO
First time homebuyers, move-up borrowers and retirees
Refinances up to 97% LTV, regardless of current mortgage program
High Balance available
Available on single- and multi-wide manufactured homes, co-ops*, condos and PUDs
Temporary Rate Buydowns available

*Applicable in New York Only.

Refi Possible helps your borrowers who currently have a Freddie Mac-backed loan save on their monthly mortgage payment. As with Fannie Mae’s RefiNow, applicants must have income at or below 100% of their area median income (AMI) and be able to reduce their interest rate by a minimum of 50 basis points.

Loan must be conventional and owned or securitized by Freddie Mac
Must have a reduction in their monthly mortgage payment*
30-year fixed loans with an LTV up to 97%
620+ FICO; up to 65% DTI
$500 credit from Freddie Mac if an appraisal was obtained
Available on single- and multi-wide manufactured homes, co-ops^†, condos and PUDs

*Reduction must include principal, interest and the mortgage insurance payment (if applicable).

†Applicable in New York Only.

RefiNow lets more of your borrowers save on their monthly mortgage payments! Use it to help your homeowners who currently have a Fannie Mae-backed loan, have income at or below 100% of their area median income (AMI) limit, and can reduce their interest rate by a minimum of 50 basis points.

Loan must be conventional and owned or securitized by Fannie Mae
Must have a reduction in their monthly mortgage payment*
30-year fixed loans with an LTV up to 97%
620+ FICO, up to 65% DTI
Primary residence rate/term refinance
$500 credit from Fannie Mae if an appraisal was obtained
Available on single- and multi-wide manufactured homes, co-ops^†, condos and PUDs

*Reduction must include principal, interest and the mortgage insurance payment (if applicable).

†Applicable in New York Only.

UWM makes your condo approvals quick and easy with our limited review process. All files receiving a limited review response in AUS will only need a minimum evaluation by our condo department.

Available in all 50 states
No condo questionnaire required
Lender and seller paid Temporary Rate Buydowns available

Single Premium MI allows a one-time, upfront MI premium to eliminate the monthly MI payment, while ensuring the maximum credit to offset the closing fees. Strengthen your purchase business by giving your borrower the best of both worlds.

Both financed and non-financed options available
Down payment as low as 3%
Use seller contributions to eliminate monthly MI
Accommodate a low rate and payment while providing a premium credit to negate closing costs
Empower your clients to qualify for the home of their dreams

Split 50 and Split 100 is a hybrid program combining a single-premium M.I. adjustment with the balance of the M.I. premium to be paid at a reduced monthly rate.