United Wholesale Mortgage Payment Options

United Wholesale Mortgage Payment

Update - 2021.04.28

United Wholesale Mortgage (UWM), which is headquartered in Pontiac, Michigan-based, is a wholesale lender that focuses on underwriting loans for financial institutions like banks, mortgage brokers, and credit unions.

Are you a United Wholesale Mortgage client? If so, this article is intended for you. You will find information on how to make a United Wholesale mortgage payment.

These free online calculators will help you find out how much your monthly payment on United Wholesale Mortgage will be:

Steps to Make Online United Wholesale Mortgage Payment 

Set Up Your United Wholesale Mortgage Account Online

You will need to create an online account prior to making any online payments.

Visit account.myuwmloan.com and key in the following information:

  • Loan number
  • Property zip code

Once you type in the aforementioned information, click on FIND LOAN to initiate and activate your account.

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Sign In to Your Account to Make United Wholesale Mortgage Payment

As soon as you’ve logged in, you can visit www.myuwmloan.com, and then choose the option you want. 


When you use AutoPay, you can set things up such that your United Wholesale mortgage payment is automatically debited each month from the account you designate. It’s free and simple to enroll in AutoPay.


When you choose this option, you can choose what day to make your United Wholesale mortgage payment. It’s important that you schedule the payment prior to the due date or within the parameters of your grace period to steer clear of late fees.

Once you choose the payment amount and due date, you’ll simply need to choose the account you want the money to be taken from. 

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Other Options to Pay United Wholesale Mortgage

By Mail

If you want to make your mortgage payment by mail, you’ll need to detach the coupon from the bottom of your statement and then mail it in with your payment in the envelope provided. If you don’t have billing coupons, you can forward your payment to the address below. Ensure you write your loan number on the back of the check or money order.

Pay to: UWM
Mail to:
P.O. Box 650530
Dallas, TX 75265-0530

Please call 888-464-2432 with any questions about payments.

It will take several days for the company to process your payment after it arrives. But the company will credit your payment for the day it is received.


If you want to make your payment by phone, dial 888-464-2432. This will allow you to make a mortgage payment via the automated Pay by Phone system. You will need your account number as well as the final four digits of your SSN. A fee of as much as $2 may be applicable.

Another way to make a payment by phone is by speaking with a representative. For this option, dial 888-464-2432. A fee of up to $9 may be applicable.


When you choose this option, you will get same-day payment delivery. Dial 1-800-325-6000 or go to www.westernunion.com to find the closest Western Union QuickCollect Agent. After getting to the office, you’ll need to fill out a blue QuickCollect form. This will include providing your name, loan number, and other relevant details to ensure payment.

Pay to: UWM
State: TX

You will have to pay cash for all QuickCollect® transactions. You will also have to pay a fee.


If you want a same-day payment option, the MoneyGram option is for you. Dial  1-800-926-9400 or go to www.moneygram.com to find the closest MoneyGram agent.

When you get to the office, complete the blue ExpressPayment form. This will require you to enter your name and loan number. The MoneyGram Receive Code is 16423 — and you’ll require this code to ensure your payment is received by United Wholesale Mortgage. You will need to pay by cash, and there will be a fee assessed if you use this service.

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United Wholesale Mortgage FAQs

If I have more than one loan, what can I do?

If you have more than one loan, all you have to do is toggle between the various loans to make a United Wholesale mortgage payment. In the upper left corner of your account page, click on the loan number situated under the United Wholesale Mortgage logo. What you will see is a menu showing your various loans. So you will be able to choose the one you want to see.

What are my options if I don’t submit my monthly payment on time?

If you find yourself facing this situation, you should contact United Wholesale Payment to inform them that the payment might be late. Reach the company at 888-464-2432. They will work with you to rectify the matter.

What are my options if I don’t recall my username?

If you don’t remember your username, go to the “Sign in” link and click on “forgot your username”. You’ll have to input the following information:

  • Loan number
  • Last 4 Digits- SSN/ ITIN/ EIN
  • Property Zip Code
  • Click “Submit

What do I need to do if I don’t remember my password?

If you don’t remember your password, head to the “Sign in” link and click on “forgot your password”. You’ll need to enter your Username and the last 4 digits of your SSN. Then you’ll need to click on “Next”.

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United Wholesale Mortgage Customer Service

Customer Service Phone Numbers:

For Getting Information about United Wholesale Mortgage: [email protected]

Investor Relations: [email protected]

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Facebook: https://www.facebook.com/UnitedWholesaleMortgage/



Instagram: https://www.instagram.com/uwmlending/

Youtube: https://www.youtube.com/channel/UCoEosGADHJZ1e-c4sGJb7dw

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How to Avoid Late United Wholesale Mortgage Payments

When you do get approved for a United Wholesale mortgage loan, you’ll want to avoid any late payments. Here are a few tips that will help you steer clear of making untimely payments.

Sign Up for United Wholesale Auto-Pay

Your first order of business is to set up an automatic payment option, and you can do this either through your bank or through your lender. You’ll want to go with the most ideal option for you.

Auto-Pay – the Pros

  1. You can avoid late payments and any resulting late fees. This will, in turn, ensure a healthy credit score.
  2. You can do your part to protect the environment with paperless billing.
  3. You won’t have to deal with any expenses relating to postage as you won’t need an envelope or a stamp, and you won’t have to fill out a check since auto-pay is done via electronic funds transfer.
  4. You will save time since auto-pay is convenient. No more will you have to take the time to sit down, write up a check, write your address and the address of the mortgage lender on the envelope, put on a stamp, and put the envelope in the mail. With auto-pay, you can automate the entire process of paying bills.

Auto-Pay – the Negatives

  1. You could, if you’re not monitoring the inflows and outflows of money in your bank account, overdraw your account. In order to avoid any problems, just keep track of how much you have in your account at all times.
  2. You could potentially overlook things like errors, interest rate hikes, or other hidden fees. This can be avoided by simply making it a habit to go over your bill.
  3. You could fail to stay on top of things such as the amount owing or the amount you’re paying monthly. As has been mentioned, you can steer clear of such problems by checking into your account regularly. This will help you to know when it might be a good idea to make additional payments to reduce the principal quicker.

Sign Up for Alerts and Reminders

Receiving a notification for an upcoming bill payment can make all the difference. You can get this by using an app, by getting your mortgage company to send an alert or reminder by email, or even by using Google calendar. You’ll be able to avoid late payments by doing so.

Set Up a Bill Pay Day

Another option is to purposefully schedule a period of the month when you can commit to making bill payments. When you go this route and have a system in place, you will avoid late payments.

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What to Do if I Made a Late United Wholesale Mortgage Payment

It’s a good idea to avoid a late United Wholesale Mortgage payment at all costs, but mistakes sometimes happen. While you don’t want to be too hard on yourself if this happens, you need to consider possible consequences. Case in point: you could see your credit score take a hit if you don’t make payments on schedule. Also keep in mind that a late United Wholesale Mortgage payment may remain on your credit report for as many as seven years, which would adversely impact your credit score. What follows is a look at 3 proven strategies you can use to have late mortgage payment information scrubbed from your credit report.

Option #1: Contact United Wholesale Mortgage and Make Request

Reach out to your lender by phone right away, and acknowledge that your payment was submitted past the deadline. It’s important to admit you were in error. Let them know when they can expect payment. They may be willing to delete your late payment data so that your creditworthiness doesn’t suffer.

Option #2: Write Them a Letter

The next option at your disposal is to write a letter, known as a goodwill letter, to United Wholesale. In the letter, you’ll want to specifically and respectfully request a removal. Do these 2 things in the letter:

  • Demonstrate that you accept that the situation was caused by you.
  • Guarantee that there will be no repeat of the delinquent behavior going forward.

What follows is a sample letter template you can use as inspiration:

[Your first and last name] [your address] [your account number]


To Whom It May Concern:

I appreciate your taking the time to read my letter. The reason for this correspondence is that I found on my latest credit report a late payment listed on [date] for my [name of account] account. I’m aware of the importance of making timely payments and meeting my financial commitments. But due to [situation that led to the missed payment], I unintentionally missed the payment due date. Although I missed the deadline, I have since then taken measures to ensure this does not happen again. Specifically, I’ve [explain what has changed that will prevent any additional late payments]. Since my missed payment, I have had a flawless record of making payments on time.

One reason I’m making this request is that my intention is to apply for a [loan, credit card, etc], and I’ve come to understand that the missed payment reflected on my credit report could jeopardize my objective. Given the fact that my single late payment does not adequately reflect my creditworthiness and intention to abide by my financial obligations, I would be grateful if you would make a goodwill adjustment. This would delete my late payment on [date] and enable me to obtain a [loan, credit card, etc.) and to secure a better rate.

I appreciate your considering this matter, and I hope you will grant my request.

Best regards,

[your name]

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