Conventional Loan Productions


The obvious choice for your top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, UWM’s Elite program allows you to close quickly, while generating solid referrals.

  • 700+ FICO

  • Up to 80% LTV

  • Loan amounts from $200,000 up to County Loan Limits

  • Appraisal Waivers honored

  • Underwrite to AUS findings

  • Includes Conventional, High Balance and ARMs

High balance nationwide up to 90% LTV

Offer conventional high balance loans up to 90% LTV featuring  exclusive M.I. Buyout to all of your borrowers nationwide — even those outside of the counties eligible under Fannie Mae and Freddie Mac — instead of having to opt for a Jumbo loan. Details include:

  • UWM’s Mortgage Insurance Buyout is typically cheaper than LPMI with no M.I. certificate needed

  • Purchases up to 90% LTV; refinances up to 80% LTV

  • Min 680 FICO; Max 43% DTI

  • Loan amounts from $453,101–$679,650

  • Better rates, easier guidelines and faster turn times than Jumbo

  • Eligible for primary and second homes

  • Conforming in all material respects except for loan amount in certain markets


Aggressive ARM pricing can provide a lower payment for your client! Secure your borrower in a competitive 5/1, 5/5, 7/1 or 10/1 low interest rate ARM.

  • Provide savings for your clients with lower rate and payment options

  • Quickly and easily price out your loans with Easy Qualifier (EQ) to determine your borrower’s best scenario

  • Reduced caps to 2/2/5 on all 5/1 and 5/5 ARM products

  • 7/1 ARMs qualify at the actual note rate

Elite M.I.

Elite M.I. combines the cheapest lender-paid mortgage insurance in the industry with some of the lowest borrower-paid pricing, which means you only have to go one place to deliver a lower payment for your 640+ FICO borrowers.

  • Significantly lower M.I. premiums than other lenders

  • LPMI available up to 97% LTV

  • Underwrite to AUS findings

  • M.I. certificates issued in-house with no M.I. overlays


Qualify more first-time home buyers with this 3% down payment solution.

  • Purchases up to 97% LTV

  • No income restrictions

  • Available in all geographic locations

  • Eligible for single family homes, including townhouses and condos

  • No cash-out refinances available up to 95% LTV

85% Conventional Cash-Out Refinance

Just because rates are on the rise shouldn’t mean an end to your refi business. UWM is here to help by increasing Cash-Out Refinances from 80% LTV to 85% LTV. So you get more refi business and your clients have more money on hand. Everybody wins.

  • 740+ FICO

  • Primary homes only

  • Reduced mortgage insurance premiums

Limited Review Condos

Make your condo approvals quick and easy with our limited review process. All files receiving a limited review response in AUS will only need a minimum evaluation by our condo department.

  • No condo questionnaire required

Jumbo 90% LTV

Jumbo 90% LTV with no M.I. gives your borrowers the option of making a lower down payment or the ability to increase their buying power. It’s a great way to grow your Jumbo business and build a highly valuable referral network.

  • 30-year fixed

  • 720+ FICO

  • Up to 90% LTV

  • No mortgage insurance

  • Primary homes

  • 43% maximum DTI