United Wholesale Lending

Hello….. My fiancé Greg Schroth and I, used United Wholesale Lending for a refinance and cash out, and we would like to say that Shelby and Peter have an amazing company! They also have an excellent staff. Matt our Loan Officer, went above and beyond, in answering our questions at any given time when we called him. Mike, our loan processor, held our hand through the entire process, also answering any questions we had at any time of the day. We highly recommend UWL, Matt and Mike for any of your Mortgage needs. We have referred them to friends of ours, and we will be using them again when the time comes! Sincerely…. The Schroth’s p.s…. Shelby really does answer every initial phone call!
Mar 1st, 2022

We started the process with Shelby and his team after hearing Rob on 98 Rock talk him up so much. We thought the absence of return phone calls, texts and emails and generally no questions answered was normal for this industry- it's definitely not! We almost gave up on the home buying process because of the lack of knowledge and communication from United Wholesale Lending, it was horribly discouraging. Thankfully we found another lender that was knowledgeable and always available. Maybe Shelby and his team would have been better suited for someone who's purchased multiple homes and doesn't need their hands held as a first time home buyer like us. Either way, definitely NOT recommended!
Feb 5th, 2022

I do not recommend United Wholesale Mortgage (UWM). It is a lender and not a bank. So, after contracting a mortgage loan, you are stuck with your initial deal, and they will not allow you to negotiate a lower interest rate based on the market. You will spend a few hours trying to talk to someone. Bottom line, they will redirect you to a broker, JWH Financial, the middle man. UWM only care about making sure that you pay your loan each month. Even if you are a good standing customer, unfortunately, you are just a number. I do not recommend UNW. They do not care about customers; they just accept transactions. A few years ago, I refinanced my mortgage with JWH Finance and John Sheetz (broker). Everything was pretty straightforward; they followed the rules like any other broker. Except they never mentioned or informed me that United Wholesale Mortgage (lender) was not a bank. As a result, I could not negotiate a lower rate, and I have had to restart the re-fininancing process again. You cannot renegotiate your loan with a lender. They only manage your money. So, I reached FWH Finance to lower my interest rate and, it took me some tricks and a few months before reconnecting with JWH Finance. They never returned my calls. And finally, when they reached me back, refinancing had just been a nightmare. They asked me for the wrong information; They asked for IRS form 1120, US Corp Income Tax Return, but I am either on w2 or 1099. I was amazed by the lack of professionalism this time. No follow-up, and I am still waiting for the result of the case I opened. I will say that they do not care about customers either, especially if your case requires some workaround. For instance, they could not understand what to do on 1099. In addition, as a customer, they never reached out to tell me that I could benefit from a lower interest rate for my existing loan. Their strategy is to look for one-time customers, get their commission, and that is it. Their goal is to complete as many transactions as they can. So, I do not recommend working with JWH Finance, and United Wholesale Mortgage or you will be trapped in some difficult situation over time.
Feb 5th, 2022

UWM consistently delivers with fast "make sense" underwriting and closing.
Jan 28th, 2022

Account Executive, Holly Compton and the Underwriting Team at UWM, are the fastest closing lenders I have ever worked with in the industry! I highly recommend United Wholesale Mortgage for their excellent customer service! They get the job done!!!
Jan 27th, 2022