United Wholesale Mortgage · Lender
United Wholesale Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: UWM partners exclusively with mortgage brokers, correspondents, financial institutions and other mortgage experts because we know they’re the best choice for borrowers.
Our take: Pros & Cons
What we like
- Purchases up to 97% LTV
- Gift funds eligible for the entire down payment
- Reduced mortgage insurance
What to consider
- Income limited to 80% of area median income
- Manufactured homes limited to 95% LTV
- Available through UWM mortgage professional channels
AI-generated lender-level assessment based on published information. Not a verified assessment of HomeReady®; confirm program-specific conditions below.
Newcomer requirements
HomeReady®
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Property restrictions
- Available on single- and multi-wide manufactured homes with LTV up to 95%, condos, co-ops* and PUDs
View full lender requirements
- Property restrictions
- Available on single- and multi-wide manufactured homes with LTV up to 95%, condos, co-ops* and PUDs
- Other conditions
- Income up to 80% of the AMI. First time homebuyers at or below 50% of the AMI receive a $2,500 pricing incentive
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Occupancy
Requirements last reviewed: Oct 28, 2026 · Official requirements source
Rates and costs
HomeReady®
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
HomeReady®
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
UWM HomeReady conventional financing through mortgage professionals for low-down-payment purchases and eligible refinances, subject to income and property conditions.
Legal lender: United Wholesale Mortgage, LLC
Lending channel: Through mortgage brokers, Correspondent lending
Provider type: Mortgage company
Lending channels: Through mortgage brokers, Correspondent lending. Origination status: Not stated.
NMLS identifier: 3038
More lender directory information
Correspondent lending information ↗
UWM partners exclusively with mortgage brokers, correspondents, financial institutions and other mortgage experts because we know they’re the best choice for borrowers.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 28, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.