United Wholesale Mortgage for New Hampshire 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.
New Hampshire context
New Hampshire no state income tax. Property tax high. Boston commuter market.
How United Wholesale Mortgage positions in New Hampshire
Within New Hampshire, 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 medium aggregate DSCR economics of New Hampshire create demand for United Wholesale Mortgage programs in Manchester and Nashua particularly.
City-level coverage in New Hampshire
United Wholesale Mortgage provides DSCR coverage across New Hampshire metros including Manchester, Nashua, and Concord. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across New Hampshire 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 |
| New Hampshire property tax | 1.9% |
| New Hampshire state income tax | None |
United Wholesale Mortgage strengths in New Hampshire
- 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 New Hampshire. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Manchester is the top investor market in New Hampshire and falls within United Wholesale Mortgage national coverage. Manchester property tax follows the New Hampshire state rate of 1.9 percent. United Wholesale Mortgage typically underwrites Manchester acquisitions at standard rate sheets.
Yes. Nashua ranks among the larger New Hampshire investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Nashua matters for property selection.
United Wholesale Mortgage applies the same rate sheet across New Hampshire metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Manchester, Nashua, and Concord 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.
New Hampshire no state income tax. Property tax high. Boston commuter market. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in New Hampshire.
New Hampshire 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
New Hampshire 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.