United Wholesale Mortgage for West 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.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How United Wholesale Mortgage positions in West Virginia
West 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 West Virginia
United Wholesale Mortgage provides DSCR coverage across West Virginia metros including Charleston, Morgantown, and Huntington. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across West 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
United Wholesale Mortgage strengths in West 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 West Virginia. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Charleston is the top investor market in West Virginia and falls within United Wholesale Mortgage national coverage. Charleston property tax follows the West Virginia state rate of 0.6 percent. United Wholesale Mortgage typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Morgantown ranks among the larger West Virginia investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Morgantown matters for property selection.
United Wholesale Mortgage applies the same rate sheet across West Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Morgantown, and Huntington 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.
West Virginia deep cash flow market. Low entry prices. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in West Virginia.
West 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
For West Virginia DSCR borrowers, United Wholesale Mortgage is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.