United Wholesale Mortgage Review

They don’t care about the customer , very two faced

So I have been going through a divorce and my wife had been paying the bills but before she filed for divorce she stopped paying and when I took my finances back over I found out, so I filed for hardship and they put me on a three month trial and all three payments needed to be paid on time, I had the money already in the account so it was going to be easy for me but on June first was to be the third payment but mountain America credit union that I do all my banking through was doing a system update and I informed them days before that my bank was going to be doing this update and they kept telling it’s fine it won’t be a problem and I scheduled for it to be taken out when the system was back up and running and after a week I noticed the payment was still sitting there, I go to call them to find out what happened why they hadn’t taken the payment and they automatically sent me to another company ( sold my mortgage to another company) and of course they went straight for for closer, these people are horrible, I have three children that live with me and a disabled adult with a fixed income. Watch your back with these people they don’t listen and will tell you everything is good while they are selling your mortgage to a collection company

Joe E. · Magna UT

Be ready for a lot of confusion!

We have had UWM previously and now our oldest son has a mortgage with them. They run their payment through a company/system called BILT, who make it more difficult and confusing to a first time buyer. If your lender wants to direct you to UWM, consider another option! A HELOC (Home Equity Line of Credit) was also obtained by us through UWM and they had the loan sold within the first few weeks. The HELOC was overpriced and had harsh restrictions and guidelines, only consider this if you are in a spot and need the funds immediately.

Jeff S. · CA

Most Incompetent Mortgage company I have ever come across!!!

If I could give United Wholesale Mortgage (UWM) zero stars, I would. As an active-duty U.S. service member, I have faced deployments, government shutdowns that delayed my pay, and life-threatening situations overseas. While deployed to Bahrain during periods of regional conflict, I was taking cover from missile and drone attacks while trying to ensure my family back home was taken care of. The last thing I should have had to worry about was whether my mortgage company was giving me accurate information. Unfortunately, that is exactly what happened. My experience with UWM has been defined by confusion, inconsistency, and a complete lack of accountability. Every time I called, I received different answers from different representatives. One employee would tell me one thing, only for the next representative to completely contradict it. I found myself constantly calling back just to verify whether the information I had been given was even correct. No homeowner should have to fact-check their own mortgage company. A mortgage is one of the biggest financial obligations most people will ever have. Providing inaccurate or conflicting information isn't just an inconvenience—it can damage your credit, cause missed payments, create unnecessary fees, and potentially put someone's home at risk. When you're dealing with people's homes and financial futures, there is no room for this level of incompetence. What was most disappointing was the apparent lack of understanding or concern for military members facing extraordinary circumstances. Rather than offering clear guidance or consistent support, I was left to navigate an endless cycle of misinformation while serving my country under some of the most stressful conditions imaginable. Customer service should be built on professionalism, knowledge, and accountability. My experience with UWM reflected none of those qualities. Instead, I encountered representatives who often seemed inadequately trained, inconsistent in their guidance, and unable to provide reliable answers to straightforward questions. I rarely write negative reviews, but I believe consumers deserve to know what they may be walking into. A mortgage company should provide peace of mind—not create additional stress and uncertainty. Based on my experience, I cannot recommend United Wholesale Mortgage. If you value accurate information, competent customer service, and confidence that your mortgage is being handled correctly, I strongly encourage you to carefully consider all of your options before choosing this company.

T · No where