United Wholesale Mortgage for Arkansas 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.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How United Wholesale Mortgage positions in Arkansas
Within Arkansas, United Wholesale Mortgage competes alongside other DSCR lenders. United Wholesale Mortgage strengths: Licensed in 35 states, DSCR floor ranges 0.00 to 1.00 depending on program. The high aggregate DSCR economics of Arkansas create demand for United Wholesale Mortgage programs in Little Rock and Fayetteville particularly.
City-level coverage in Arkansas
United Wholesale Mortgage provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Arkansas 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 |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
United Wholesale Mortgage strengths in Arkansas
- 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 Arkansas. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Little Rock is the top investor market in Arkansas and falls within United Wholesale Mortgage national coverage. Little Rock property tax follows the Arkansas state rate of 0.6 percent. United Wholesale Mortgage typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Fayetteville matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith 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.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Arkansas.
Arkansas 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
Arkansas 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.