Loan Products

Home Sweet Texas is a program of the Texas State Affordable Housing Corporation (TSAHC) that provides home loans and down payment assistance to low and moderate-income borrowers in the state of Texas. It aims to reduce or eliminate the upfront costs of buying a home and make homeownership more accessible.

• Available on conventional (Fannie Mae or Freddie Mac), FHA, VA and USDA loans
• Texas only
• Primary purchases only
• 2%, 3%, 4% and 5% assistance levels available based on the total loan amount

  • This is a 3-year deferred forgivable loan as a second lien
• AMI Limits: There are varying income limits based on Non-Targeted and Targeted areas. To see if a property is in a targeted area, use the look-up tool here.
• 97%/105% max LTV/CLTV
• 640+ minimum FICO on conventional loans
• 620+ minimum FICO on government loans
• Seller- and agent-paid temporary rate buydowns are eligible

The CalHFA + MyHome program is specifically designed to support low and moderate-income borrowers in California by offering home loans coupled with down payment assistance to help cover down payment or closing costs.

• Available on conventional (DU only), FHA, VA and USDA loans
• MyHome DPA is available in the form of a 1% interest, non-amortizing, deferred, 30-year repayable second mortgage

  • The second mortgage becomes due and payable in full upon sale of the property, payoff or refinancing of the first mortgage, transfer of title or notice of default
• Primary purchases only
• All borrowers must be a first-time homebuyer
• All borrowers’ qualifying income must meet the AMI limits set by CalHFA
• 97%/105% max LTV/CLTV
• 50% Max DTI
• Minimum FICO requirements

  • 640 on government loans
  • For conventional loans, minimum FICO score is determined by AMI

    • 660 for loans with income less than or equal to 80% AMI
    • 680 for loans with income greater than 80% AMI
• Seller- and agent-paid temporary rate buydowns are eligible

The Florida Hometown Heroes Housing Program makes homeownership more affordable by providing down payment and closing cost assistance to eligible homebuyers.

• 640+ FICO
• 5% down payment assistance (minimum $10,000, maximum $35,000)
• Loan originators must be licensed and permanently reside in Florida (and claim the homestead exemption).
• For the full list of Florida eligible employers and the UWM guidelines for this program, click here.

The principal, interest and MI payment on a $200,000 30-year Fixed-Rate Loan at 5.999% and 95% loan-to-value (LTV) is $1,245.64. The Annual Percentage Rate (APR) is 6.478% with estimated finance charges of $5,600. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 02/11/26. Information is subject to change. Certain restrictions apply. Subject to borrower qualifications.

Earn new business from real estate agents and builders with UWM’s One-Time Close New Construction loans, plus let your borrowers get the dream home they want — all with the faster, easier process UWM is known for. The best part? One closing! Which means one interest rate (with the option to modify down if the market improves), one down payment, one full credit report to order and one approval.

• Conventional Loans

  • Available on 15-and 30-year fixed conventional, high balance and 7- and 10-year ARM options
  • Eligible on primary, second and investment property purchases and rate/term refinances*
  • Loan amounts up to the conforming loan limits
  • 620+ FICO, up to 95% LTV
  • DU and LP eligible
  • 11-month maximum build period with 1-month modification period
  • Interest-only monthly payments during the build period
• VA Loans

  • Available on 30-year fixed loans
  • Loans up to $4M
  • Eligible on primary home purchases and cash-out refinances*
  • 580+ FICO, up to 100% LTV
  • DU and LP eligible
  • 11-month maximum build period with 1-month modification period (build period is deducted from the loan term)
  • No monthly payments during the build period

Looking for additional support? Contact our One-Time Close New Construction help desk team at [email protected] or call 800.981.88.98 ext. 68243.

*This product is not eligible on attached condominiums, cooperative properties or Temporary Rate Buydowns.

CEMA loans (Consolidating Extension Modification Agreement) can help borrowers save money on closing costs when purchasing or refinancing a home in the state of New York.

• Eligible on conventional and conventional high balance with Elite pricing available
• Investor Flex (DSCR)
• Bank Statement
• Jumbo Offerings
• Loan must be closed by a UWM-approved attorney

Available in New York only. Not eligible on co-op properties.