FHA Loan Products

FHA Elite

Take your FHA borrowers to a new level with industry-leading government rates and pricing. This is the obvious choice for your top-tier clients.

  • 640+ FICO
  • $125,000 - county loan limit
  • All fixed term mortgages
  • Single family primary residences

Conquest For FHA

Win new business with exclusive low rates for FHA borrowers who haven’t closed recently with UWM. Conquest is available on conventional and VA programs as well, click here to learn more.

  • Rates starting at 1.999%*
  • 640+ FICO
  • Purchases and rate/term refinances on primary residence only
  • FHA Streamlines on primary and secondary residences
  • FHA rate/term refinances and Streamlines that have not closed with UWM in the last 18 months
  • Lock anywhere from 8-22 days (UWM average is 15 days sub to CTC)
  • Flex Term from 8-30 years available for non-Jumbo FHA
  • 15-year and 30-year term available for FHA Jumbo
  • No DTI cap

FHA Streamline

UWM’s FHA Streamline program allows you to refinance your FHA borrower with no appraisal or AVM. Time is of the essence—stop the shop and use our quick closing process to secure your borrower.

  • 640+ FICO
  • Up to 60 days interest allowed


Wow your real estate partners and clients with speed and confidence. UWM can close your HUD REOs in as fast as two weeks from submission while allowing holdbacks up to $5,000 for escrow repairs.

*The principal, interest and MI payment on a $220,000 30-year Fixed-Rate Loan at 2.125% and 96.5% loan-to-value (LTV) is $995.63. The Annual Percentage Rate (APR) is 3.184% with estimated finance charges of $5,700. Payment includes a one-time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. The 0.85% monthly MIP is required for a specific period of time regardless of your down payment or equity in your home. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premiums, which will result in a higher actual monthly payment. Rates current as of 3/1/2021. Subject to borrower approval. Some exclusions may apply.


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