United Wholesale Mortgage Reviews

My financial situation was affected during Covid and loan placed on forbearance. UWM refused to utilize the programs put in place by VA to bring mortgage current. The written policy was provided to them and was ignored. The VA even with written instruction saying they can penalize a servicer for failure to comply with policy has done nothing. It appears UWM has the VA under their thumb and faces no retribution for failure to service veteran loans.

Stay away! This is a massive fraud. Our closing attorney warned us, but their delays and repeated overcharges forced us to live in a hotel with our belongings in a moving truck. They were costing us $1000 a day. Our broker initially offered a conventional loan but changed it to an FHA loan with additional fees. We’ve paid over 20% down but they had already changed it to the FHA. They also failed to pay people in the closing documents and the correct amount for homeowners insurance. A month later, they increased our escrow payment by $200.

None of their employees can answer questions or help. They never know what is going on, it takes hours to get them to figure out what is going on. We are getting a loan modification done and we have filled out the paperwork 5 times and each time they find something else they want done differently. It has cost us hours and hours to get the paperwork signed at the notary each time. We have been working with them to get this done for nearly three months. They do not contact us to let us know what is needed. We have to call them. UWM has no idea what service is. I would not get close to this company.

I closed on my mortgage in 2022. Was notified in 2025 that there was an issue. Now they are forcing me to sell my house. I want to sue them. Just trying to find out what kind of attorney that can assist me.

I'm not a customer of UWM, never have been and never will be. I keep getting letters from them informing me that my mortgage insurance coverage will terminate if I do not renew by calling them at 1-888-928-1981. I've been calling them regularly for the past few years, every time I receive their letter. Each time I reach a hostile representative when I demand that my name and address is removed from their mailing list. After much arguing with the rep trying to sell me a policy, they finally give up and agree to remove me from their data base. It never happens, Just got another letter today.

Be very cautious. I would give Zero stars if I could. This company is very good at getting your mortgage but service is non-existent. I decided to set up an online profile at their site, and set up autopay. I linked my bank and submitted a payment on 12/5. There was ample funds in the checking account so I didn't think to check to make sure my mortgage payment actually went through. Today on 12/26 I get a call from UWM stating my bank reversed the request for funds and now I was late on my very first mortgage payment and assessed a $15 fee. I thanked the 1-888 random person who called me and called my bank (thinking it was their fault). My banker could not find ANY request for funds from UWM anywhere in the month of December. Nothing! So whatever the problem was, it stemmed from UWM.

Do not use United Wholesale Mortgage, they have got to be the worst in their business, they have 1.3 star ratings, heed that as a warning, Antonio is the guy that calls me, he's negative, he doesn't listen and he's argumentative. I'm doing a loan modification, I've complied with every document requested, they're trying to force my ex wife on my mortgage, it's like Antonio and UWM are trying their best to get me to lose my property.

Zero stars. UWM makes Wells Fargo look super stellar from my experience. Their customer service representatives may as well be bots. They're useless and not trained to think, analyze, nor provide solutions. They are only trained to screen every call and read what's on the screen. That's their pathetic job. It doesn't matter if it's inaccurate; there's nothing their customer call center is equipped to do, and any escalations are sent into a rabbit hole with no return.

Typical mortgage company. Once they get your money and the paperwork is signed they forget who you are and let their automated system take care of its issues. It's pretty disrespectful we're spending hundreds of thousands of dollars of these people and yet they seem to think they don't have to communicate with us.

Not understanding at ALL. There have been a few times this year where I selected the wrong payment account, waited for it to be returned and scheduled with the correct account and now, for the next 12 months, I have to pay via cashiers check or money order. I didn't see the notice until last minute and have recently had surgery. Literally making it a pain to get to a bank. I've checked with my other banks to see if I have any option to order a cashiers check online, but no. I called my mortgage company to explain my situation, asking if there's any exception and all I got was a firm "no, not if there are 3 or more returned payments". So make it MORE inconvenient to make a payment?? And now my payment is later than it's ever been having to do it this way. This is such a dumb ** rule. I'd rather they just charged a return fee than this cause this is just absurd and for 12 months?? Some days I'd rather sell my house and go back to renting.

This company does care for their customers. They just close mortgages with brokers only to re-sell them to any company with any concern of their customers. Only a few months of the having my mortgage they sold to a horrible company that has had nothing but problems such a s identity theft, unpaid tax and insurance from escrow and the list goes on. I contacted UWM with my concerns about my mortgage being handled with that new company and they told me it's out of their control. So now it's become my problem. Beware of this company. Don't work with a broker that is working with this company.

I bought my house through UWM Mortgage. I made the first payment. Then they sold the mortgage. But I still have the same loan amount that got moved to new mortgage servicer. UWM essentially stole my first payment.

This company needs to be thoroughly investigated because their service is dangerously bad. We set up payment plans on our mortgage that the employees do not make record of in their system and when we call back inquiring about our arrangement the employees claim there is no record of any such conversation taking place. This has happened multiple times. They have sent us foreclosure notices despite all of our payments being made on time. We have taken to recording the phone calls to prove the conversations happened in case we need to take them to court. We have zero trust in these people.

The process to get approved for a refinance was supposed to be like two weeks but it ended up being about two months. I never felt like I knew what was going on and they said I was approved for a conventional loan and weeks later they told me that I wasn’t. After everything was complete they didn’t pay for my mortgage insurance and it got canceled without my knowledge. This company got their own insurance that was a lot more expensive.

Poor customer service, does not pay escrows in time etc. Had to call multiple times, Sent many invoices from insurance company and every time we call they have a different excuse and do nothing. Don't do business with them.

From the time I applied until closing, I received kind, professional service. Lorcan answered all of my questions immediately. The turnaround time was fast. He ensured I was satisfied. Excellent service!

We sold our home and after 3 months they are still holding on to $2k. Each time you call, they say "give it another week." Crooked as company that demands their money on time but doesn't see fit to return the money on time.

I cannot personally, "thank," Jacob **, Senior Underwriter, assigned to my VERY FIRST loan, not only with UWM, but my very first loan EVER as a new LO. I am absolutely IMPRESSED with UWM because of how WONDERFUL and KIND Jacob was on our initial call and how FAST he committed to responding with a solution. GOOD representation of a company is because of GOOD people like JACOB! Thank you SO MUCH, UWM, for employing a wonderful team and THANK YOU so much, personally to JACOB for being so professional in your commitment to follow through!

United Wholesale Mortgage is the worst company ever. They don't even know what they are doing. When you sent a payment it's taking forever to be cleared.. Very unprofessional. There's no administration. If the owner doesn't open her or his eyes they gonna go out of business soon.

I asked to have my property taxes and insurance escrowed. I was told I needed to send in some documentation. I did so. I did this through the online portal. The first submission they responded and said I needed additional information. Fine, no problem. I sent it. They never responded to me via the portal and I had to reach out to ask for an update. They told me I needed to resubmit what I had previously submitted, plus send them a check. First, they should have told me that the first and second time. Second, I have another mortgage with a different company and they didn't need a lumpsum for escrow. I asked for an explanation and to have a manager review, and the next service rep in line responded with some boiler plate language that didn't answer any of my requests or questions. Just another assembly line company.

I just wanted to share some feedback from a closing I had yesterday. My underwriter was Bobby (Bajram **). I have worked with Bobby on a few other files, but I wanted to reach out on this one. It was a manufactured home loan, and it got a little messy. Bobby was fantastic about replying within minutes to my CR’s when I had questions and he worked with his team leader Tyler to help get this file CTC at the last minute yesterday so that we all could close. I greatly appreciate the teamwork.

Unpleasant and rude appraiser, they need some training on customer relations. The appraiser was rude and unprofessional and the experience was very stressful when it could have been much easier. A real shame!

When you set up for auto pay, their system doesn't work. Then charge you a crazy amount as a late fee. When they realize that their system didn't work, they waive that payment, However, on the next auto pay after they assured you their system will work, it doesn't work again. Guess what! then you have to pay that amount because they will not waive it! total scam. Their auto pay is still not working. They don't have phone calls, emails or any reminder if you have a late payment. They automatically charge you an insane amount. Not only they don't give you notification, but they automatically want you to get e'bills so you won't even know that you're being charged. This is the worst company I've ever dealt with, their customer service is trash. I'm surprised nobody sued them yet!

I would call these guys "clowns in a circus" but this is an insult, as clowns tend to be good at their jobs and circuses tend to be somewhat organized. These guys are neither. They misapplied a mortgage payment to my principal, when I called them and was assured that "it would be resolved", well a week and a half later it has NOT been resolved. They assured me I would not be sent a collection notice to the misapplied payment, and I got a collection notice today. Absolute buffoons.

Worst mortgage company ever (and I've had 4 mortgage companies). Improperly applies partial payments, and charged late fees (that was fixed after I reached out to CFPB after months of promises to resolve with no action) and now they screwed up my escrow, resulting in a payment fluctuation of $3k each month (which the denied in a CFPB complaint). Poor customer service, untrained personnel, and I'm pretty sure whoever responds to their correspondence has only had elementary school math/english training. Spend the extra .25% interest rate. You'll be thankful down the road as I've spent countless hours going round and round with no solution. This company should be investigated under the consumer protection act. Class action lawsuit anyone?

This company is a criminal organization. They are sitting on almost $200,000 from hurricane Ian proceeds from our insurance company and won’t cooperate with repairs. We’re pretty sure they’re sweeping people's insurance money. We had to take money out of our 401k and pay taxes on it while they were and still are sitting on our money.

This was my first payoff experience and did not go very well. The instructions for payoff are very confusing, online & on-call customer support was also very poor. This resulted in my wire transfer failing. They told there is 16 days grace to pay off. It took few days for me to resend wire which finally went through fine. But still they charged late fees & with continuous follow-up also did not give good support and consideration even being a very good borrower. Not sure what they do to those really missing or delaying payment due to issues.

Everything went well at first. Closing went well and communication was always fine. Then my first tax bill came and I called UWM to see how that would work. I was told “if UWM ever misses a tax payment, we will pay the late fee.” I wrote down this quote when he told it to me. What he apparently meant to say was “any regular tax payment, the supplemental is a different case.” So when the supplemental tax bill came in, I didn’t call UWM only because of the conversation I had with the rep. Then we were delinquent and hit with a late fee. UWM wouldn’t pay the late fee and they wouldn’t meet me in the middle for a compromise, even after I said that I wouldn’t be able to recommend them to anyone if they didn’t.

The United Wholesale Mortgage escrow (UWM) calculated the wrong property tax amount. They collected double what they should collect, which led to my mortgage payment increased more than a thousand a month. On the hand, I found out UWM didn't pay my property tax because the County tax collector sent me a bill with a penalty. I had to pay using my own money, which led to short money in the bank. I contacted UWM and told them I had just paid the 9 thousand dollars in property tax and didn't have enough money to payment+increased escrow, and I asked them to use escrow money to pay my mortgage payment (extra 9 thousand in escrow).

I have been making biweekly payments to them for months. All of a sudden, it says 3 of those payments were reversed. I checked my bank accounts and the payments were made. When I call, I get transferred around from rep to rep until finally someone says their manager will call me back in 24 hours. They NEVER call. This has been going on for over a month. It now says I am 3 months behind in payments and is affecting my credit score, but I can't even talk to anyone about it.

I have bought my house just 3 months ago. UWM has the worst service to collect money. They will delay collecting payment to an unreasonable time. When I'm talking about delays it can be over 3 weeks. Finally after 40 dollars fine for two failed transactions I cancelled auto payment and called UWM agent. She was awfully rude and stated, "Fine, fees cannot be refunded," or I shall mail some documents. I have two to 3 jobs daily and have luxury to invest time like that. I paid the fine and made payment on 7th of this month. I asked, "How long will it take the money to be transferred?" She said 72 hours. Today it's Sat the 12th and money still has not transferred from my bank.

United Wholesale Mortgage is completely unresponsive to the customer service needs. I have (2) mortgages with them that were completed in tandem and one has been an utter nightmare. Their customer service, like much of the world today, is completely outsourced to homeworkers that can only give stock answers and every time you call, you get a different person and it is a different answer for the same issue!! There is no supervisory control, training or a follow-up response team to provide much-needed service. You cannot get the person’s full name or return phone “in case you get disconnected” so when it DOES happen, or you are transferred or need to call back, you have to repeat the entire saga each time. They verify all your information so that they can call back and it never happens. I could go on about months and weeks of trying to sort out an issue and it just goes in circles.

We refinanced with United Wholesale Mortgage about about 9 months ago. Since then, we we needed to use our homeowners insurance due to a very large hailstorm that went through the area in May. We immediately contacted our homeowners insurance (USAA) and they explained that the insurance check must be signed by both mortgage and homeowners. We then contacted UWM and we discovered that United Wholesale Mortgage stipulates it will only release $40,000 to do repairs at a time, and the owner is responsible for funding inspections of work at 25% and 75% completion of all of the work. Each inspection costs roughly $300. Our total repairs are estimated at roughly $60,000. We were told during our initial conversation with a UWM rep to supply United Wholesale Mortgage with a letter and estimates explaining why additional funds above $40,000 was needed to be released for immediate funding of these repairs.

We started our loan process two months ago. We have OUTSTANDING credit. It was an easy acceptance. It's when it came to their responsibilities that working with them became costly. We have had all the paperwork ready for closing. All but the appraisal. That was ordered two months ago as well. When the company failed to produce the appraisal on the due date, United Wholesale Mortgage waited THREE WEEKS to order another one. By this time our locked in rate ran out so we had to pay $1,500 to extend it.

We refinanced at 1.99% with this company. I would highly recommend this mortgage lender for several reasons. Their website is clear and concise and runs very smoothly. I can find the information I need (I track my mortgage) in a hurry. The website shows detailed information regarding where your payment dollars go. You can pre-schedule payments which is also nice. Communication thru USPS is also concise and timely. Highly recommend.

Recently refinanced and UWM is my new lender. I recently visited their website and was pleasantly surprised to find that it is both user friendly and informative. Very easy to navigate which is a real plus in my opinion. So far they seem to have the total package!

Homies Loan was a broker for UWM. During the process, we were to provide all our documents to UWM. Everything went well during the close. However, once the house was closed, we were not fully communicated how things would work for the UWM. We had to learn how to make an auto draft payment from our bank. Additionally, the website portal was not created to fit our name, which created a deny of service from my bank since the name did not match. I had to make several phone call to fix the problem. Also, I thought I did fix the problem to know later that I did not. The full payment was drafted from my account twice in the same month. The agent I worked with was great though.