CONVENTIONAL CONQUEST

• Significantly better pricing
• Rates as low as 1.999%* including 30-year fixed
• Available on purchases, cash-out and rate/term refinances
• Conventional only
• Primary and secondary residences
• Refinance properties must not have closed with UWM in the last 18 months
• Exact Rate and Flex Term available
• Lock anywhere from 8-22 days (UWM average is 15 days sub to CTC)

CONQUEST FOR FHA

• Rates starting at 1.999%**
• Purchases and rate/term refinances on primary residence only
• FHA Streamlines on primary and secondary residences
• FHA rate/term refinances and Streamlines that have not closed with UWM in the last 18 months
• Lock anywhere from 8-22 days (UWM average is 15 days sub to CTC)
• Flex Term from 8-30 years available for non-Jumbo FHA
• 15-year and 30-year term available for FHA Jumbo
• Min 640 FICO
• No DTI cap

CONQUEST FOR VA

• Rate starting at 1.999%***
• Purchases on primary residence only
• VA IRRRLs on primary and secondary residences
• VA IRRRLs that have not closed with UWM in the last 18 months
• Lock anywhere from 8-22 days (UWM average is 15 days sub to CTC)
• Flex Term from 8-30 years available
• Min 640 FICO

*The principal, interest and MI payment on a $330,000 30-year Fixed-Rate Loan at 2.625% and 90% loan-to-value (LTV) is $1,402.45. The Annual Percentage Rate (APR) is 3.005% with estimated finance charges of $11,000. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premiums, which will result in a higher actual monthly payment. Rates current as of 12/7/2020. Subject to borrower approval. Some exclusions may apply.

**The principal, interest and MI payment on a $220,000 30-year Fixed-Rate Loan at 2.125% and 96.5% loan-to-value (LTV) is $995.58. The Annual Percentage Rate (APR) is 3.184% with estimated finance charges of $5,700. Payment includes a one-time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. The 0.85% monthly MIP is required for a specific period of time regardless of your down payment or equity in your home. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premiums, which will result in a higher actual monthly payment. Rates current as of 12/7/2020. Subject to borrower approval. Some exclusions may apply.

***The principal and interest payment on a $204,600 30-year Fixed-Rate VA Loan at an interest rate of 2.25% and 100% loan-to-value (LTV) is $800.06. The Annual Percentage Rate (APR) is 2.537% with estimated finance charges of $7,800, which includes a funding fee paid at closing as determined by VA guidelines. The principal and interest payment, which will continue for 360 months until paid in full, does not include taxes and insurance premiums, which will result in a higher actual monthly payment. Rates are current as of 12/7/2020. Some exclusions may apply. Subject to borrower approval. United Wholesale Mortgage is not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. Some exclusions may apply. Not guaranteed available.