Partner With A Mortgage Broker
Tools and Technology
We’re constantly rolling out new tools and technology to create a streamlined process from start to finish.
15-Minute Approvals
Our 24/7 AI-powered portal (BOLT) allows UWM broker partners to obtain initial approval on conventional and FHA loans in as little as 15 minutes.
Exclusive Edge
Escrow Waivers up to 97% LTV
Escrow waiver options are no cost to the borrower. Waiving escrow provides the borrower with more flexibility and can potentially help reduce upfront closing costs. Waivers are permitted on conventional loans up to 97% LTV and on VA loans up to 100% LTV.
*Limited to below 80% LTV in NM by law. First-time homebuyers over 80% LTV (90% in CA) can only waive escrows if their FICO is over 680.
Lock and Shop
A borrower can lock in at current market pricing before a specific property is determined. This offers real estate agents more time to help the borrower find a home with favorable rates and more certainty during the homebuying process. This is available on agency loans and has the following lock terms available: 90, 120, 150, 180, 270 or 365 days.
Products
Elite MI combines competitive lender-paid mortgage insurance and borrower-paid pricing, which means borrowers only need to go to one place to get lower mortgage insurance rates. Lower mortgage insurance could lead to a lower monthly payment and potentially more buying power.
As a real estate agent, you have access to multiple jumbo programs that allow you to have exposure to more high-end buyers.
UWM's One-Time Close New Construction loans give you a unique opportunity to generate new business and build referral partnerships with builders.
Bank Statement loans are designed for self-employed borrowers, allowing them to qualify using personal or business bank statements instead of traditional income documentation.
Investor Flex is UWM's exclusive Debt Service Coverage Ratio (DSCR) loan program for real estate investors, using prospective rental income of the property to qualify instead of borrower income.
Temporary Rate Buydowns help borrowers lower their monthly mortgage payments for the first 1-3 years of their loan, helping them to lower their interest rate by up to 3% at the start of their loan.
Click here to learn more about the products UWM has to offer.
Speed and Service
CD at Initial Underwrite
Get your Closing Disclosure out sooner and trigger the CD cooling-off period the minute the loan hits underwriting. No more waiting until your loan is clear to close and delaying your closing by 3 days.
Instant Funding
No funding authorization is required, ensuring that the funds are available at the closing table. This guarantees that there are no delays in receiving the funds, allowing your borrower to receive the keys to their new home without any holdups.
UWM Appraisal Direct
A UWM-specific appraisal ordering and tracking service that makes it possible to have appraisals completed in as little as 7 days. Provides timely communication throughout the appraisal process to ensure all parties have greater visibility and real-time updates at every stage of the order.
Virtual/Hybrid Close
With Virtual Closings, borrowers can sign their loan documents from anywhere with internet access, eliminating the need for in-person meetings. This allows for closing anytime within 24 hours of the scheduled closing date, removing the hassle of coordinating multiple party schedules.
With Hybrid Closings, borrowers can sign the majority of their closing documents beforehand, only needing to visit the closing table for documents that require a notary. This significantly reduces the amount of closing documents needed to be signed in person, cutting down the time spent at the closing table.
Both options offer a convenient and efficient closing experience with no additional cost to the borrower.
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