United Wholesale Mortgage for Virginia 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.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How United Wholesale Mortgage positions in Virginia
Virginia 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 Virginia
United Wholesale Mortgage provides DSCR coverage across Virginia metros including Virginia Beach, Richmond, and Norfolk. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Virginia 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 |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
United Wholesale Mortgage strengths in Virginia
- 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 Virginia. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within United Wholesale Mortgage national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. United Wholesale Mortgage typically underwrites Virginia Beach acquisitions at standard rate sheets.
Yes. Richmond ranks among the larger Virginia investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Richmond matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Virginia Beach, Richmond, and Norfolk 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.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Virginia.
Virginia 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 Virginia 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.