United Wholesale Mortgage for Pennsylvania 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.
Pennsylvania context
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow.
How United Wholesale Mortgage positions in Pennsylvania
Within Pennsylvania, 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 Pennsylvania create demand for United Wholesale Mortgage programs in Philadelphia and Pittsburgh particularly.
City-level coverage in Pennsylvania
United Wholesale Mortgage provides DSCR coverage across Pennsylvania metros including Philadelphia, Pittsburgh, and Allentown. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Pennsylvania 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 |
| Pennsylvania property tax | 1.6% |
| Pennsylvania state income tax | 3.07% |
United Wholesale Mortgage strengths in Pennsylvania
- 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 Pennsylvania. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Philadelphia is the top investor market in Pennsylvania and falls within United Wholesale Mortgage national coverage. Philadelphia property tax follows the Pennsylvania state rate of 1.6 percent. United Wholesale Mortgage typically underwrites Philadelphia acquisitions at standard rate sheets.
Yes. Pittsburgh ranks among the larger Pennsylvania investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Pittsburgh matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Pennsylvania metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Philadelphia, Pittsburgh, and Allentown 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.
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Pennsylvania.
Pennsylvania 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
Pennsylvania 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.