Our Loan Products
Flexible Loans to Fit Your Needs and Goals
Explore our range of loan products designed to fit your unique needs. Whether you're buying your first home, refinancing, or investing in property, we offer flexible and competitive options to help you achieve your financial goals. Let us guide you to the right solution for your journey.
CONVENTIONAL
Conventional loans are a great choice for those who are looking for a long-term, fixed-rate mortgage. Our mortgage brokers can guide you through the process, helping you find the best loan for your needs. We’ll make sure you get the best terms and rates available.
FHA
FHA Mortgage is a great option for first-time homebuyers. It offers a low down payment and flexible credit requirements. With an FHA Mortgage, you can take advantage of competitive interest rates and lower closing costs.
VA
VA mortgage loans are an excellent choice for veterans and service members looking to purchase a home. VA loans offer competitive rates, low closing costs, and 0% down payment. We will work with you to ensure you get the best deal possible on your VA mortgage.
USDA
USDA (Rural Development) loans are an excellent option for those looking to purchase a home in a rural area. With no down payment and competitive interest rates, USDA loans offer an affordable way to enter the housing market. Our experienced mortgage brokers will guide you through the entire process and ensure you get the best loan for your needs.
ARMS
5, 7 AND 10 YEAR: Adjustable rate mortgages (ARMs) provide borrowers with the potential to save money on their monthly payments. They allow for an initial interest rate that is fixed for a set period of time, after which the rate may adjust up or down. With an ARM, borrowers can benefit from lower interest rates and more flexible repayment terms.
BORROW-SMART
Qualified borrowers with an income less than or equal to 50-80% of the Area Median Income (AMI) can receive a credit towards cash to close. This service is a great way to help those in need of a mortgage get the assistance they need. Borrower Smart requires at least one qualifying borrower to complete a homebuyer counseling session through Homeownership Preservation Foundation (HPF) for a fee of $99.
CONVENTIONAL 0% DOWN
This program allows borrowers to receive a 3% loan up to $15,000 from UWM for their down payment. There are no required monthly payments on the second lien, and it does not accrue interest. The second lien is due in full as a balloon payment upon refinance of the first lien, payoff, or the final payment of the amortization schedule of the first lien.
HOMEREADY®/HOME POSSIBLE®
Our HomeReady/Home Possible program is a great option for those seeking a conventional loan with reduced mortgage insurance, as an alternative to an FHA