UWM partners can offer their refinance borrowers an option to lower the amount of interest they pay in the first 2 years of their refinance by using their equity to finance the buydown. This could provide a potential rate in the 4% range for the first year of their loan!              

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The principal and interest payment of a $200,000 30-year Fixed-Rate Loan at 4.75% and 60% loan-to-value (LTV) is $1,043.29 in Year 1. The Annual Percentage Rate (APR) is 4.998% 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 07/15/25. Subject to borrower approval. Some exclusions may apply.