United Wholesale Mortgage for Alaska investors
United Wholesale Mortgage (UWM) is a broker-only DSCR lender licensed in 35 states. Its DSCR floor ranges from 0.00 to 1.00 depending on the specific program selected. Minimum credit score is 640, with loan sizes from $50,000 to $3,000,000 and maximum 80% LTV. The company does not publish rate figures in the sources reviewed.
Alaska context
Alaska has no state income tax. Property values vary widely by region. STR market driven by tourism.
How United Wholesale Mortgage positions in Alaska
Alaska is well covered by national DSCR lenders, with United Wholesale Mortgage as one option. Where United Wholesale Mortgage differentiates: Licensed in 35 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in Alaska
United Wholesale Mortgage provides DSCR coverage across Alaska metros including Anchorage, Fairbanks, and Alaska. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Alaska metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $50K - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Alaska property tax | 1.2% |
| Alaska state income tax | None |
United Wholesale Mortgage strengths in Alaska
- Licensed in 35 states
- DSCR floor ranges 0.00 to 1.00 depending on program
- Loan sizes from $50,000 to $3,000,000
- Broker-only origination
Ideal borrower: Broker-originated borrower whose DSCR program fit ranges from no-ratio (0.00) up to fully-qualifying (1.00) DSCR.
FAQ
Yes, operates nationally including Alaska. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Anchorage is the top investor market in Alaska and falls within United Wholesale Mortgage national coverage. Anchorage property tax follows the Alaska state rate of 1.2 percent. United Wholesale Mortgage typically underwrites Anchorage acquisitions at standard rate sheets.
Yes. Fairbanks ranks among the larger Alaska investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Fairbanks matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Alaska metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Anchorage, Fairbanks, and Alaska all qualify for the same United Wholesale Mortgage program.
United Wholesale Mortgage does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Alaska has no state income tax. Property values vary widely by region. STR market driven by tourism. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Alaska.
Alaska allows standard DSCR prepay structures; United Wholesale Mortgage typically uses 3-5 year step down.
United Wholesale Mortgage typical close: Not publicly published.
Bottom line
Alaska investors considering United Wholesale Mortgage should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.