United Wholesale Mortgage for Colorado 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.
Colorado context
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active.
How United Wholesale Mortgage positions in Colorado
Colorado 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 Colorado
United Wholesale Mortgage provides DSCR coverage across Colorado metros including Denver, Colorado Springs, and Fort Collins. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Colorado 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 |
| Colorado property tax | 0.5% |
| Colorado state income tax | 4.4% |
United Wholesale Mortgage strengths in Colorado
- 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 Colorado. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Denver is the top investor market in Colorado and falls within United Wholesale Mortgage national coverage. Denver property tax follows the Colorado state rate of 0.5 percent. United Wholesale Mortgage typically underwrites Denver acquisitions at standard rate sheets.
Yes. Colorado Springs ranks among the larger Colorado investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Colorado Springs matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Colorado metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Denver, Colorado Springs, and Fort Collins 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.
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Colorado.
Colorado 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
United Wholesale Mortgage in Colorado works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.