Built-In Rewards

UWM has partnered with Bilt to offer homebuyers a first-of-its kind mortgage rewards program. Bilt is more than just a servicing platform. It’s a rewards program designed to make your borrowers’ mortgage payments work harder for them. By paying their mortgage on-time and digitally through Bilt, they’ll not only enjoy a secure and convenient way to manage their payments but they’ll also earn Bilt points. These points can be redeemed for travel, fitness, shopping or toward your principal-only mortgage payments.

UWM and Bilt have partnered together to bring your borrowers something new: rewards for paying their mortgage on-time and digitally through Bilt. Their loan is with UWM, but by making payments through Bilt, they can earn points that can be redeemed for travel, shopping, fitness and more.

There are no fees to use Bilt; however, the payment method your borrower selects may result in additional charges. There are no extra fees for recurring or one-time ACH payments (directly withdrawn from their bank account) made through Bilt, or when they pay with a Bilt credit card. Additional fees will apply for payments made with a Mastercard credit card or a Mastercard or Visa debit card.

• Mastercard credit card payments do incur a 3% fee on top of the payment amount. Be aware that due to the size of an individual’s mortgage payment, their credit card provider may initially decline or flag this payment.
• Mastercard Debit and Visa Debit card payments will incur a processing fee of $9.95.

Yes. They can earn Bilt rewards points each time they make an on-time digital mortgage payment through Bilt. Check out more details on what type of payment methods can earn Bilt Points.

Only on-time digital payments made through Bilt will earn points. Payments that will not earn points include:

• Late payments
• Mailed checks
• Payments made over the phone
• Payments made via BillPay through your bank
• Principal-only payments
• Fee-only payments
• Escrow-only payments

Points can be redeemed for everyday neighborhood benefits such as restaurants, grocery stores, pharmacies, travel and more. Additionally, they can use their points toward extra principal-only mortgage payments or apply them toward the down payment on their next home.

They will receive emails and notifications about their reward points and benefits within the Bilt app. Their points bank will also be visible at the top of their Bilt dashboard on the app and on their desktop.

Visit Bilt Rewards to understand how your borrowers can earn points and redeem them for rewards and benefits.

Yes, most payments can be made with a credit card and they have two options:

• Pay with Bilt Mastercard: No transaction fee and they can easily apply directly on Bilt's website.
• Pay with non-Bilt Mastercard (only Mastercard accepted): A 3% transaction fee will be added to their payment amount.

Please note that there are some limitations when using a credit card to pay their mortgage, including specific types of mortgages, prior mortgage payment history, and the current status of their loan.

Yes, both Mastercard Debit and Visa Debit are accepted payment options. Debit card payments will incur a transaction fee of $9.95.

Yes, they can mail a check. However, they will not earn points for payments made by check. Only on-time digital payments made through Bilt will earn points.

Send to:
United Wholesale Mortgage
PO Box 6140, Carol Stream
IL 60197-6140

Yes, they can call anytime to make a one-time payment by calling our Customer Care team at 888-896-9658. However, they will not earn points for payments made over the phone. Only on-time digital payments made through Bilt will earn points. The first time they call to make a payment over the phone, they will need to provide their bank account information. This information will be stored for future payments made over the phone. Please note that any bank account information stored in the Bilt portal will not be accessible to the agent on the phone.

In order for borrowers to access their loan information and mortgage documents, they must register with Bilt, regardless of whether they want to set up payments. Registration is quick and easy, and it is the only way to view their loan details and documents. Once registered, they can also make digital one-time payments and set up recurring mortgage payments. Additionally, they can earn rewards for on-time digital payments made through bilt.com/uwm or the Bilt app. If they choose not to register with Bilt, they will still be able to make payments via check or over the phone, but they will not have digital access to their loan information or mortgage documents, and these payment methods will not earn rewards.

All borrowers that have received a notification indicating their loan is now on the Bilt servicing platform can register and access their loan in Bilt. However, only the Bilt account that has payments set up can earn and redeem rewards for on-time digital payments.

Any loan that has received a notification indicating it is now on the Bilt servicing platform will be automatically added to their account once they register and access their loan with Bilt. If they have a loan that is still on the former UWM servicing platform, they will need to continue making payments and accessing documents through that platform until they receive a notification that their loan has been transitioned to Bilt. Only loans on the Bilt platform that are set up with on-time digital payments are eligible to earn rewards.

To digitally access loan information and mortgage documents, your borrower must register with Bilt, regardless of whether they want to set up digital payments through Bilt. They can make their mortgage payments by mailing a check or calling in, however, please note that they will not earn points for these payments. Only on-time digital payments made through Bilt earn rewards.

For questions about registering with Bilt, earning rewards, redeeming points or the Bilt Credit options and features, please use the online chat for quick support within the Bilt app or on your Bilt dashboard.

If your borrowers encounter issues accessing their loan or get locked out of registration, please contact UWM’s Customer Care team at 888-896-9658, Monday-Friday, 8 a.m.–8 p.m. ET

Yes. This initiative sets a new standard in the industry, offering homeowners the unprecedented opportunity to gain valuable rewards simply by making their regular on-time digital mortgage payments through Bilt.

The new UWM + Bilt servicing platform significantly enhances your ability to stay connected with past borrowers. It offers greater visibility and branding opportunities by featuring your headshot, logo and contact information prominently on the borrower’s payment page. It also includes your branding in communications when borrowers earn rewards for on-time digital payments. This consistent presence keeps you top-of-mind with your clients and helps provide ongoing engagement and future business opportunities.

Any borrower closing a loan with UWM will automatically be serviced by UWM and begin making their payments through Bilt. They will receive communication from UWM Servicing on how to set up and manage their loan within Bilt to start earning rewards.

Yes. In fact, the Bilt platform is already being enjoyed by over 5 million renters of which 500,000 become homeowners each year. It’s highly appealing to consumers because it lets them earn rewards on what is often their biggest expense. Plus, the friendly, easy-to-use platform enhances the homebuying and mortgage-paying experience by providing tangible benefits that align with their lifestyle and financial goals.

With every on-time digital mortgage payment made through Bilt, borrowers earn points that can be redeemed for:

• A principal-only mortgage payment or toward the down payment on their next home
• Neighborhood dining, groceries, pharmacies, travel, rideshares, fitness and more
• Extended benefits beyond the closing, with ongoing incentives long after they’ve moved into their new home

We recommend shifting your marketing focus from rates and loan products to the overall mortgage experience and the benefits only you can offer, including:

• The feeling of being rewarded
• The satisfaction of getting something extra each month
• The sense of making a smart choice by selecting the right broker