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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!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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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.

More options for your refi borrowers

To celebrate the 100th episode of Good. Better. Broker, Mat Ishbia, President and CEO of UWM, as he shares his favorite moments from this groundbreaking podcast. Become a UWM partner today to gain even more valuable insights from the industry’s finest.

Join us for the 100th episode of Good. Better. Broker. 

The 100th Episode Of Good. Better. Broker.

Now, LE Optimizer (LEO) can do even more, showing areas of opportunity such as market shifts since the lock, income required to qualify for home affordable products and more. And with the click of a button, LEO can transfer the loan details from the LE into Easy Qualifier so you can price a loan even faster.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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More Ways To Stay Ahead Of The Competition

We’ve lowered the credit score loan level pricing adjustments (LLPAs) on government loans, providing better pricing for both high and low FICO borrowers. Join our network to take advantage of these new LLPAs.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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Government Credit Score LLPAs

Great news for UWM partners: They can start using any earned free lock extensions to cover up to 7 days on agency loans and 3 days on non-agency loans. Become a partner and build your bank each month so you can continue to cover the cost of lock extensions!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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Free lock extension days live for use

With UWM’s new Borrower Happiness Score, our brokers know after the loan closes how satisfied their borrower was with the service provided. By measuring key factors throughout the loan process, plus asking borrowers to rate their home loan experience, brokers can reach out for the next loan with confidence.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Once the score is determined, the metrics will be connected to the borrower’s contact information — making it easy to reference so you can maximize future opportunities and fuel business growth.

Start taking advantage of this UWM exclusive today.
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The Borrower Happiness Score

3/1 and 5/1 Adjustable-Rate Mortgages are available at UWM on FHA and VA loans. ARMs typically offer lower initial interest rates and upfront monthly payments than a fixed mortgage to provide borrowers with more opportunity to save money for the first 3 or 5 years of their loan.

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More Options For Government Borrowers

Provide eligible homebuyers the option to put just 1% down and have UWM cover an additional 2% up to $7,000, for a total of 3% down. This down payment assistance program is an incredible way to make your clients’ dreams of homeownership happen sooner, while saving money they could use for furniture, move-in costs or other expenses.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Guidelines:
<ul>
<li>Product is for borrowers who have an income at or below 80% of Area Median Income (AMI)</li>
<li>Purchase only</li>
<li>Must have 97% LTV; UWM pays the lesser of 2% or up to $7,000 of the total 3% down payment</li>
<li>620+ FICO</li>
<li>Borrower pays 1% of the down payment (or remaining down payment needed if 2% exceeds $7,000)</li>
<li>Up to conforming loan limits</li>
<li>LPA or DU for eligibility</li>
<li>Follows Home Possible&reg and HomeReady&reg guidelines</li>
</ul>
How our broker partners benefit:
<ul>
<li>Reach more homebuyers who need help with their down payment</li>
<li>Help homebuyers save money they could use for other expenses like furniture, move-in costs, etc.</li>
<li>Earn more business from real estate agents whose clients can benefit from this program</li>
</ul>
Don’t miss this unique opportunity to help more homebuyers overcome the most common obstacle to home ownership: the down payment. Join our network and start offering Conventional 1% Down today!
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The principal, interest and MI payment on a $200,000 30-year Fixed-Rate Loan at 6.625% and 97% loan-to-value (LTV) is $1,370.62. 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 06/10/25. Subject to borrower approval. Some exclusions may apply.

Conventional 1% Down

Available right on the UWM dashboard and placed intuitively into our brokers’ workflow, UWM’s newest collection of tools will streamline your process so you can stay in front of past, current and future business relationships.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;


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Take advantage of a full suite of integrated AI-infused solutions, including:
<ul>
 <li>Action IQ: An all-in-one notification center for daily reminders about actions you should take so you don’t miss an opportunity</li>
 <li>Lead Pipeline: Stay connected with past borrowers and take advantage of new lead opportunities with the ability to send emails and texts using AI-driven technology</li>
 <li>Easy Qualifier: A faster, easier way to price new loans and manage existing scenarios. Search scenarios by name, loan type, loan purpose and more. Plus, create comparison breakdowns and present up to three different loan options to borrowers.</li>
 <li>Loan Pipeline: Filter and customize your pipeline to see only the information that’s valuable to you as a loan officer or processor. Plus, a new preview screen lets you see essential information without opening each file, dramatically improving efficiency.</li>
 <li>ChatUWM Assist: Ask questions and receive AI-generated responses containing information and details specific to the page you’re on. Get the answers you need faster, with instant access to guidelines, matrices and UWM tools and technology.</li>
 <li>Contacts Pipeline: Create detailed client profiles and contact-specific tasks and notes, then send professionally written communications — or customize using AI-driven technology</li>
</ul>

Partner with UWM today to take full advantage of this game-changing innovation.

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Smarter Tools. Stronger Relationships. Faster Process.

Our focus on continuous improvement and innovation is what drives our success. Partner with UWM to take advantage of unique loan products and perks like no-cost credit report pulls, plus, get answers to your questions directly from our team members.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

UWM innovations you can use to set yourself apart:
<ul>
<li>A suite of AI-infused solutions: Reimagine the way you approach client communications and streamline your loan process</li>
 <li>Customizable loans: Offer rates to the thousandth decimal place, pick the exact number of days and lock for only as long as you need, and choose a flexible amortization term option</li>
 <li>Access to our consumer-facing platform Mortgage Matchup: Personalize your profile to help borrowers find you</li>
 <li>No-cost credit report pulls: Eliminate the high cost of hard credit report pulls from your bottom line</li>
 <li>Answers to your questions: Connect directly with a UWM team member (even your underwriter) who can help you resolve your loan level questions within 4 hours</li>
 <li>And more</li>
</ul>

Put our solutions to work for you immediately.
Ready to make a difference for your business? Click below to become a UWM partner and get a clear advantage over the competition.

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Take Advantage Of UWM Gamechangers

UWM is committed to the growth of the wholesale channel, which is why we created Mortgage Matchup, powered by UWM — a search engine designed to help homebuyers and real estate agents learn more about the loan process and connect with local independent mortgage brokers.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

<h4>For Homebuyers:</h4>
MortgageMatchup.com connects you with trusted mortgage professionals who can provide a more affordable and tailored mortgage experience to meet your unique financing needs. In addition to connecting with an expert providing personalized assistance with any mortgage-related inquiries, MortgageMatchup.com offers a wealth of tools and resources to empower you in your homebuying or refinancing journey, including:
<ul>
 <li>Calculators: Easily estimate your mortgage payments and explore different financing options</li>
 <li>Blogs: Stay informed with the latest insights and trends in the mortgage market</li>
 <li>Glossary: Understand key mortgage terms and concepts to make informed decisions</li>
 <li>Testimonials: Read about the experiences of others who have successfully navigated the mortgage process</li>
</ul>

<h4>For Real Estate Agents:</h4>
MortgageMatchup.com connects you with a trusted partner that who can enhance the homebuying experience for you and your clients. Access to expert mortgage professionals can streamline the process and help ensure your clients receive tailored solutions, resulting in happier clients who are more likely to refer you to others. Ultimately, collaborating with an independent mortgage broker equips you with the tools and information needed to guide your clients with confidence. This partnership offers a smooth and transparent process, which can allow you to seize more opportunities while getting paid faster and more often.
Focus on what you do best — buying or selling homes — by partnering with an independent mortgage broker to elevate your real estate career.

<h4>For Loan Originators:</h4>
<a href="https://mortgagematchup.com/" target="_blank">MortgageMatchup.com</a> is a platform that presents a great opportunity for mortgage professionals seeking to generate new leads from clients actively looking for mortgage expertise. Request your own listing or become a UWM partner to automatically gain visibility among potential clients and future partners.

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Mortgage Matchup, Powered By UWM

Get to the closing table faster in-person or virtually by putting our timesaving tools to work and enjoy the freedom to access loans from anywhere. Impress your borrowers with a more efficient process and top-notch service — it’s a difference you’ll notice and your borrowers will appreciate.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Your time is more valuable than you know
Saving your borrowers time doesn’t just help them — it helps you by letting you focus on growing your business. UWM offers tools and tech that let you handle parts of the loan process remotely and help you be more efficient.

UWM’s cutting-edge tools and tech allow you to:
<ul>
 <li>Receive an approval in as little as 15 minutes</li>
 <li>Choose between in-person, hybrid or virtual closing options where eligible</li>
 <li>Access loans while on the go</li>
 <li>Get more leads with our no-cost mortgage application system</li>
 <li>Get a funding authorization instantly</li>
 <li>And more</li>
</ul>

Get the speed your business and your clients deserve
Partner with UWM and see what a difference our innovations make in your process, not to mention your bottom line.

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Our Tools & Tech Let You Increase Your Loan Volume

Step up your social media presence with our no-cost marketing platform. It’s easy to leverage our client retention and brand building tools to reach new borrowers and partners while re-engaging previous clients. Best of all, it’s all in one place for convenience and maximum results.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Our all-in-one client management tool lets you:
<ul>
 <li>Schedule your social media posts up to 30 days in advance — just set it and forget it</li>
 <li>Choose from a library of marketing campaigns that include pre-written flyers, emails, social posts and Powerpoints you can customize with your brand colors and logo</li>
 <li>Get email or text alerts when your past clients are back in the market and eligible for an opportunity</li>
 <li>And more</li>
</ul>

Streamlining your marketing efforts lets you reach more clients while spending more time on the areas of your business that need your attention most.

Ready for another perk of partnering with UWM?
Upgrade your brand and streamline your borrower communications — click below to become a UWM partner.

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Stay In Front Of Your Past Clients And Partners

By partnering with UWM, you’ll get access to every level of training we offer, from on-site learning and networking opportunities to our video library of walk-throughs and tutorials. Leverage our training curriculum to give yourself the advantage you’ve been missing.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

We never run out of ways to help you raise your game
Whether you’re a seasoned broker or a brand-new loan officer, UWM offers the tools and support to help you reach the next level. Just choose how you want to learn and level up your business:
<ul>
 <li>On-site training from our award-winning training team (plus opportunities to network and build partnerships with other industry professionals)</li>
 <li>Virtual courses: Quick training videos and 1 hour electives</li>
 <li>One-on-one consultations: Our experts provide guidance on subjects like marketing, recruitment, lead generation, technology</li>
 <li>And more</li>
</ul>

Not part of UWM’s network yet?
Our extensive selection of educational resources is waiting for you — click below to partner with us and get access to training that makes the difference.

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Train And Grow With Our Industry Pros

When you become a UWM partner, you’ll have access to tools and services that save you time and money — everything from NMLS-approved continuing education to discounts on cutting-edge tech that can bring you more loans.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Partner with us and take advantage of business-enhancing tools like:
<ul>
 <li>An LOS, POS CRM and products and pricing engine — fully integrated with UWM to help streamline your origination process</li>
 <li>An online presence compliance solution — to ensure your social media and websites adhere to regulatory standards</li>
 <li>A property monitoring service — get alerts for refi opportunities and more</li>
 <li>A 401(k) solution for your business — offering you transparent pricing and a streamlined plan</li>
</ul>

Plus, same-day marketing tools to reach new clients, services to run your business more efficiently and so much more.

Not part of UWM’s network yet?
Partner with us to give your business an edge over your competition — click below to experience simplicity and growth like never before.

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