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Partner with UWM and be ready to master refinancing! We’ve put together five key tips to help you find every opportunity to save your borrowers money and provide the best experience along the way.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;
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The Refi Playbook outlines:
<ul>
 <li>Generating leads</li>
 <li>Making the pitch</li> 
 <li>Structuring loans to win the deal</li>
 <li>Providing the best experience for your borrowers</li>
 <li>Celebrating the closing and driving referral business</li>
</ul>
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Become a UWM partner and benefit from our impactful offerings — click below to join our network.
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Refi Playbook

Are you looking to become a mortgage loan originator (MLO) or know someone who is? UWM developed BrokerX — a 5-week program that provides comprehensive training, licensing preparation and career development for professionals looking to get licensed as an MLO. Register by September 3 for the session starting September 8.

The Power of Wholesale

We've significantly cut Loan-Level Pricing Adjustments (LLPAs) for second homes and investment properties to help our clients reach a growing part of the homebuying market. Partner with us to expand your client base and win more business. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<a target="_blank" style="padding: 6px 36px;" href="https://www.uwm.com/join-now" class="button contained primary">Join Our Network</a>

Agency Second Home & Investment Properties

We have a team dedicated to helping you grow every area of your business. Our Partner Services team is composed of top specialists who provide guidance on various topics through one-on-one consultations. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; &nbsp;
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Get a competitive edge on topics including:
<ul>
<li>Marketing</li>
<li>Recruiting</li> 
<li>Lead Generation</li> 
<li>Licensing & Compliance</li> 
<li>Culture & Training</li> 
<li>Technology</li>
</ul> 
Start outperforming everyone else at no cost to you! 
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Become a UWM partner and benefit from one of our most impactful offerings — click below to join our network.
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Get Expert Help When You Need It Most

UWM is making it easier for you to offer lower rates and help your borrowers save money now with R/T 90. For new locks through September 16, UWM partners get 90bps pricing incentive on most refi products — including conventional, jumbo, FHA and USDA rate and term refinances, FHA Streamlines, VA IRRRLs and VA Type 1 Cash-Outs. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<a target="_blank" style="padding: 6px 36px;" href="https://www.uwm.com/join-now" class="button contained primary">Join Our Network</a>&nbsp;&nbsp;&nbsp;This incentive is not eligible on One-Time Close New Construction and Non-QM products. The 90bps cannot be combined with Control Your Price (CYP) bps.

Get 90bps On Rate And Term Refis With R/T 90

From student loans to high credit card balances, UWM broker partners are helping borrowers consolidate and pay off higher interest debt with Conventional Cash-Out 90.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This product presents a presents a great option for homebuyers to tap into their home equity without adding mortgage insurance. Become a UWM partner to take advantage of this competitive advantage and offer more options to help your clients secure cash to pay down that debt.
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Conventional Cash-Out 90

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;
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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® and HomeReady® 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 6.375% and 97% loan-to-value (LTV) is $1,307.74. The Annual Percentage Rate (APR) is 6.931% 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 08/13/25. UWM pays the lesser of 2% or $7,000 of the down payment. Borrower pays 1% of the down payment (or remaining down payment needed if 2% exceeds $7,000). Subject to borrower approval. Some exclusions may apply.

Conventional 1% Down

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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