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UWM expands underwriter duties with Underwriting+ program. Pilot loans averaged 8.3 days submission to clear-to-close, with 2.1 underwriting touches per file Article Summary. UWM launched Underwriting+ to reduce processing handoffs by keeping more responsibility with the underwriter reviewing the file. The lender said pilot loans averaged 8.3 days from submission to clear-to-close with 2.1 underwriting touches per file. AI Summary United Wholesale Mortgage on Wednesday launched Underwriting+, a program designed to streamline the loan process for independent mortgage brokers by giving underwriters a larger role in moving loans from submission to closing. The program puts the underwriter who reviews a loan file in charge of more of the process, including gathering documentation, communicating with borrowers and third parties, resolving questions and clearing conditions. Traditionally, mortgage files move among multiple teams during processing, with different employees responsible for underwriting, documentation and coordination with borrowers and third parties. UWM said Underwriting+ is designed to reduce those handoffs and keep more responsibility with the underwriter who is already familiar with the loan. "Brokers should spend their time doing what they do best: originating loans and selling the right product and rate to their borrowers," UWM President and CEO Mat Ishbia said in a statement. "From there, we've got it." Under the program, UWM said its underwriters will handle both underwriting and additional processing responsibilities, including communicating with borrowers and third parties and working to clear outstanding conditions. The company said thousands of loans were closed during an Underwriting+ pilot. Those loans averaged 8.3 days from submission to clear-to-close, with an average of 2.1 underwriting touches per file, according to UWM. The program is available to UWM mortgage broker partners beginning Wednesday. Through Dec. 31, partners can use the program for three loans at no processing cost, UWM said.

Gen Z wants to own homes, but are concerned about affordability. Here's how they can get both. Updated Sep 18, 2026, 6:43 AM PT Gen Z wants to experience homeownership - and most see it as a key step toward building wealth and long-term financial security. In fact, 67% see homeownership as an important lifetime goal. But in today's economy, many younger buyers believe it's harder for their generation to buy a home, so they are taking practical steps to get ready for this important milestone. As younger generations focus on financial readiness, independent mortgage brokers across the country are stepping up with solutions that offer greater access to the market. New programs and loan options are giving Gen Z the head start they're looking for - and helping them achieve their dream while ensuring their financial well-being. Here are three solutions (of the many loan options available to mortgage brokers) that can help young buyers take the leap into homeownership: 1. Rate buydowns. A rate buydown allows you to pay extra cash upfront to temporarily or permanently lower your interest rate (and typically your monthly payment). This can make it easier for new homeowners to afford their mortgage payments, especially during the first few years. 2. Adjustable-rate mortgages (ARMs). ARMs offer a fixed interest rate for an initial period (typically lasting five, seven, or 10 years) followed by a variable rate that will change over time. The initial rate is usually lower than a traditional fixed-rate mortgage, making your monthly payments more affordable as you settle in. That's why an ARM can be a smart choice for buyers who plan to move, refinance, or anticipate a big improvement in their finances from a new job or paying off student loans. 3. Low down payment loans and down payment assistance. Many loan programs allow buyers to put down as little as 3% and some do not require any down payment at all. Here are some examples of options available for eligible borrowers: There are also more than 2,500 homeownership incentive programs available across the US, including options from state and local governments as well as nonprofit organizations. These can help cover down payments and closing costs, or offer low-interest loans. Some are designed specifically for first-time buyers, while others are available to buyers who meet certain income requirements. Transitioning from renter to buyer. For many, the transition from renting to owning a home is the ultimate milestone in achieving financial certainty. Beyond the creative freedom to personalize your space or the emotional security of a permanent sanctuary for your kids or pets, homeownership serves as a powerful engine for building wealth. Unlike the "lost" expense of monthly rent, a mortgage allows you to build equity in your home with every payment, effectively turning a housing necessity into a long-term investment. While the primary reward has traditionally been the appreciation of the value of the home and the potential to use that equity toward other life expenses, modern innovators are now adding immediate, tangible value to the process of paying your mortgage. For example, United Wholesale Mortgage (UWM), the number one mortgage lender in the US, has partnered with Bilt, the platform best known for rewarding renters when they pay their rent. Now, UWM and Bilt have expanded this benefit to homeowners through "Built-In Rewards," allowing homeowners to earn points every time they make an on-time digital mortgage payment through Bilt (when UWM is the loan servicer). These points can be redeemed for everyday perks like dining, travel, fitness classes, or even applied directly toward future principal-only mortgage payments. It's helped turn one of life's biggest monthly expenses into something that pays homeowners back. At the end of the day, buying a home doesn't have to feel out of reach. With the right tools - and support from a knowledgeable, local mortgage expert - Gen Z buyers can start building equity and long-term financial stability sooner than they might expect. Think of independent mortgage brokers as your go-to partner throughout the process who can break down your options, find the right loan for your situation, and help you navigate every step with more confidence and clarity. This post was created by Insider Studios with Mortgage Matchup. Powered by UWM | NMLS #3038 | Equal Housing Lender

UWM broadens condo financing, rolls out eligibility tool. Lender widens nonwarrantable condo eligibility Article Summary. United Wholesale Mortgage is broadening financing options for nonwarrantable condo projects on conventional and select nonagency products while launching a Condo Eligibility Tool for brokers. AI Summary United Wholesale Mortgage (UWM) is expanding financing options for condominium projects that fall outside standard agency requirements and is rolling out a new eligibility tool as federal regulators tighten condo standards. The Pontiac, Michigan-based wholesale lender is widening eligibility for nonwarrantable condos on conforming conventional loans and select jumbo, investor flex and bank-statement products, the company said on Wednesday. UWM is also introducing a Condo Eligibility Tool that lets brokers enter a condo address and instantly see potential project eligibility and which loan products might be available to borrowers. Membership Full access Billed annually Membership includes: * | Unlimited access to HousingWire reporting and analysis * | Access to HousingWire Intelligence * | Member-only newsletter * | Event perks Free account Limited access * | Read 2 subscriber-only articles each month