United Wholesale Mortgage for Vermont 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.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How United Wholesale Mortgage positions in Vermont
For Vermont specifically, United Wholesale Mortgage fits investors who match the hard money approach. The low cash flow profile of Vermont aggregate makes it workable for United Wholesale Mortgage.
City-level coverage in Vermont
United Wholesale Mortgage provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Vermont 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 |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
United Wholesale Mortgage strengths in Vermont
- 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 Vermont. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Burlington is the top investor market in Vermont and falls within United Wholesale Mortgage national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. United Wholesale Mortgage typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Montpelier matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Vermont metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Burlington, Montpelier, and Vermont 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.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Vermont.
Vermont 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 Vermont 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.