Mortgage Types

Conventional Loans

A conventional loan is a great option for those who have a good credit score and a steady income, as the terms and conditions are typically more favorable than other loan types.

Easier qualification requirements
Lower fees and rates
More flexible terms

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VA Loans

Veterans Affairs (VA) Loans are guaranteed by the U.S. Department of Veterans Affairs for veterans, active duty service members, and qualified surviving spouses. They are available in all 50 states and provide up to 100% financing for qualified borrowers.

Allow for the seller to pay all closing costs
FICO starting at 580

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Other Loan Products

These loans may include features such as lower interest rates, more flexible repayment terms, or other benefits that are not available to all borrowers. Specialized loan mortgages are often used by borrowers with unique financial needs or circumstances, such as self-employed individuals or those with a lower credit score.

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FHA Loans

FHA loans are ideal for first-time home buyers and those with a limited budget or credit history. are available with a variety of benefits and protections, including competitive interest rates.

Downpayment as low as 3.5%
More flexible qualification criteria
FICO starting at 580

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Non-QM/Jumbo Loans

These loans can be used to finance properties in high-priced real estate markets, where the value of the property exceeds the conforming loan limit.

Higher loan amount
Require a larger down payment

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First Time Home Buyers

As a first-time home buyer, there are mortgage loans specifically designed for those who haven't owned a home before. These loans often have lower down payment requirements, more flexible credit requirements and lower closing costs than conventional loans.

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Specialized Loans

Allows self-employed borrowers to qualify based on their bank statement.

640+ FICO, with LTVs up to 85% and no MI required
Loan amounts up to $3M
Minimum 12 months consecutive bank statements required
Not eligible in West Virginia or on Texas 50(a)(6)

A program that offers flexible lending criteria for real estate investors.

640+ FICO, up to 80% LTV
Eligible for investment property purchases, rate/term and cash-out refinances
Finance up to 20 properties
Minimum of 6 months reserves required

Helps borrowers lower the interest rate by up to 3% at start of their loan.

Eligible on primary and second home purchases for conventional 15- and 30-Year Fixed loans and ARMs
Seller- and lender paid 1- and 2- and 3-year buydown options

Combines Interest rates, down payment and credit report into one closing.

Conventional Loans available on 15–30-year fixed loans
VA Loans available on 30-year fixed loans, up to $4M

Not eligible on attached condominiums, cooperative properties or temporary rate buydowns.

Borrowers can access a line of credit based on the available equity in their home.

640+ FICO, up to 89.99% CLTV
Loan amounts up to $500,000
$25,000 minimum line amount, initial draw must be 75% of line amount

Not applicable in Texas

Secures a mortgage on a home while simultaneously opening a home equity line of credit.

680+ FICO, up to 89.99% CLTV
Loan amounts up to $500,000
$20,000 minimum line amount, initial draw must be 75% of line amount

Not applicable in Texas

An investment option for borrowers to use cash upon purchase and finance for at a later date.

Consolidates multiple mortgages into a single loan for borrowers in New York State.

Eligible on conventional and conventional high balance with Elite pricing available
Loan must be closed by a UWM-approved attorney

Available in New York only. Not eligible on co-op properties.

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additional loans

Additional Loans

Renovation Loans can be used to finance a variety of projects, from small cosmetic improvements to major renovations. These loans can be used to make repairs, update the kitchen and bathrooms, add a deck or patio, and much more. The funds can also be used to purchase a home and make improvements.

Construction loans are an excellent option for anyone looking to build a new home or add an addition to an existing property. The loan amount and repayment terms will vary depending on the project, but generally, the borrower will need to provide a down payment of 20-30% of the total cost of the project.

Our investment property loan services are designed to help you maximize your return on investment and minimize your risk. Whether you are looking to purchase a new property, refinance an existing one, or access the equity you have built up, we have the knowledge and expertise to get you the best loan possible.

USDA Home Loans are a great way for qualifying homebuyers to purchase a home with no down payment. Through the United States Department of Agriculture (USDA), qualified borrowers can take advantage of 100% financing and low-interest rates on a loan backed by the federal government. With the right lender, a USDA Home Loan can be a great way to get the house of your dreams.

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