United Wholesale Mortgage for Connecticut 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.
Connecticut context
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets.
How United Wholesale Mortgage positions in Connecticut
For Connecticut specifically, United Wholesale Mortgage fits investors who match the hard money approach. The low cash flow profile of Connecticut aggregate makes it workable for United Wholesale Mortgage.
City-level coverage in Connecticut
United Wholesale Mortgage provides DSCR coverage across Connecticut metros including Hartford, Bridgeport, and New Haven. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Connecticut 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 |
| Connecticut property tax | 2% |
| Connecticut state income tax | 7% |
United Wholesale Mortgage strengths in Connecticut
- 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 Connecticut. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Hartford is the top investor market in Connecticut and falls within United Wholesale Mortgage national coverage. Hartford property tax follows the Connecticut state rate of 2 percent. United Wholesale Mortgage typically underwrites Hartford acquisitions at standard rate sheets.
Yes. Bridgeport ranks among the larger Connecticut investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Bridgeport matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Connecticut metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Hartford, Bridgeport, and New Haven 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.
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Connecticut.
Connecticut 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 Connecticut 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.