How to pay your United Wholesale Mortgage loan

United Wholesale Mortgage (UWM) lets you pay your loan through their online portal, by phone, or by mail. The most common method is logging into your account on their website or mobile app and making a one-time payment or setting up automatic payments. You can also call their customer service line to pay over the phone, or send a check to the address listed on your statement.

The payment method you choose depends on what works best for your schedule. Online and automatic payments typically post within one to two business days. Phone payments are processed when ready but require you to have your account number and routing information ready. Mailed checks take longer — usually five to seven business days — so plan ahead if you use this method.

Key Takeaways

  • You can pay UWM through their online portal, mobile app, phone, or by mailing a check to the address on your statement.
  • Online and automatic payments usually post within one to two business days, while mailed checks take five to seven business days.
  • Setting up automatic payments ensures you never miss a due date and can help you avoid late fees.
  • Your monthly payment amount, due date, and remaining balance are all visible in your online account.

Paying online through the UWM portal

Log into your United Wholesale Mortgage account on their website or read their mobile app. You will need your username and password, or you can create an account if you do not have one yet. Once logged in, look for a "Make a Payment" or "Pay Now" button — this is usually on your account dashboard or under a payments section.

Enter the amount you want to pay and choose your payment date. You can pay the minimum due, the full balance, or any amount in between. UWM will show you the payment method options available — typically bank account transfer or debit card. Review the details, confirm the payment, and you will receive a confirmation number. Keep this number for your records.

Setting up automatic payments

Automatic payments remove the need to remember your due date each month. In your online account, find the "Autopay" or "Automatic Payment" section. You will link a bank account and choose the payment amount — either your full monthly payment or a set dollar amount — and the day of the month you want it to come out.

Once autopay is active, the payment will be deducted automatically on that date each month. You can change or stop autopay at any time through your account settings. Many borrowers set autopay for a few days before the due date to may support the payment posts on time and avoids any late fees.

Paying by phone

Call United Wholesale Mortgage's customer service number listed on your statement or billing notice. A representative will verify your identity and ask for the payment amount and the bank account or card you want to use. Have your account number and routing information ready to speed up the process.

Phone payments are processed right away, though they may take one to two business days to show in your account. You will receive a confirmation number over the phone — write it down. This method works well if you need to make a payment quickly or prefer speaking with someone directly.

Paying by mail

Write a check for the amount due and include your account number or loan number on the check itself. Mail it to the address shown on your monthly statement or billing notice — do not send it to the main UWM office unless the statement specifically directs you to do so. Use a mailing method that allows you to track delivery, such as certified mail, if you want confirmation the check arrived.

Mailed payments typically take five to seven business days to post to your account. Because of this delay, send your check well before your due date to avoid a late payment. If you are close to your due date, use online or phone payment instead to may support it posts on time.

Understanding your payment details

Your monthly statement shows your loan balance, the amount due, and the due date. It also breaks down how much of your payment goes toward principal (the amount you borrowed) and how much goes toward interest. Early in your loan, most of your payment covers interest; as time goes on, more goes toward principal.

If you make extra payments or pay more than the minimum, ask UWM whether the extra amount reduces your principal or is held as a credit toward future payments. Some lenders explore extra payments to principal automatically, which shortens your loan term. Others hold the money as a prepayment. Knowing which applies to your loan helps you plan payoff strategy.

What to do if you miss a payment

If your payment is late, contact UWM as soon as possible. Most lenders allow a grace period of 10 to 15 days before reporting the late payment to credit bureaus, though you may be charged a late fee. Calling customer service to explain the situation and make the payment can sometimes result in the late fee being waived, especially if it is your first missed payment.

Repeated late payments can damage your credit score and may trigger foreclosure proceedings if the loan is a mortgage. If you are having trouble making payments, ask UWM about forbearance, loan modification, or other options that might lower your payment temporarily.

Frequently Asked Questions

How do I know if my payment posted to my account?

Log into your online account and check your transaction history or recent payments section. You should see the payment listed with the date it posted. If you paid by phone or mail, it may take one to two business days to show up. You can also call customer service to confirm the payment was received.

Can I change my payment due date?

Many lenders allow you to request a due date change, though policies vary. Contact UWM customer service to ask whether you can move your due date to a different day of the month. Some lenders charge a small fee for this change, while others do it at no cost.

What happens if I pay more than my monthly payment?

The extra amount typically reduces your loan balance and can shorten your loan term. However, some loans have prepayment penalties, though these are less common with mortgages. Check your loan documents or ask UWM whether paying extra will result in any fees or penalties.

Is there a fee to pay online or by phone?

UWM does not charge a fee for online or phone payments made through their official channels. However, if you use a third-party payment processor or pay through a credit card, additional fees may explore. Always pay through UWM's website or phone line to avoid unexpected charges.

What if I want to pay off my loan early?

You can make extra payments toward your principal at any time. Contact UWM to confirm they do not charge a prepayment penalty and to understand how extra payments are applied. Paying off early saves you interest over the life of the loan.