Unite’s 12-Day Purchase Pledge

For all qualified Conventional, FHA, VA, Bank Statement, and DSCR Purchase loans Unite Mortgage receives from you, we’ll underwrite and close purchase transactions within 12 business days from submission to funding. If we don’t, we’ll waive our Underwriting Fee*.

*All Initial Submission Requirements for underwriting required by Unite Mortgage must be met at the time of submission for disclosures. Requirements can be found at www.unitemortgage.com under Forms and Resources. If appraisal is not in by business day 8 the pledge is voided. Loan must also not be re-conditioned after condition review on business day 9 or the pledge will be voided. The Underwriting Fee will be applied at time of Loan Documents being drawn. Self-employed borrowers are not eligible on Conventional, FHA, and VA loan programs.

We Hit the 12-Day Mark or We’ll Waive Our Underwriting Fee*

Now that’s a Pledge! See how it works below:

  • Unite accepts submission
  • Broker orders appraisal within 24 hours
  • Unite approves loan
  • Underwriter conducts review
  • Initial Unite decision complete
  • Broker collects & uploads all PTD conditions
  • Same-day condition review if submitted by 12PM PST
  • Appraisal received
  • Broker requests initial CD
  • Unite issues CD electronically
  • Final condition sign-off is
  • submitted by 12PM PST
  • Final condition sign-off complete
  • QC complete
  • Loan is CTC and docs out
  • Any PTF signed off
  • Loan closes and funds

Check out our other Loan Products

Below are some of our loan products available to our mortgage partners:

FHA/VA Loans

At Unite Mortgage we offer an aggressive FHA/VA product line that allows our mortgage partners competitive loan options allowing them to close more loans.

Conventional Loans

As a FNMA/FHLMC Seller Servicer we offer our Mortgage Partners a wide variety of programs with limited overlays.

Non-QM Loans

We understand that many borrowers may not meet traditional financing. At Unite Mortgage we are proud to offer our Mortgage Partners an outlet to close these types of transactions.

Reasons to Choose Us

Access to Unique Loans

We know that borrowers aren’t ‘One size fits all’ so our loan solutions are adaptive to people’s circumstances.

Quick Turn Times

We removed the red tape to make sure we close loans faster than our competitors. Try us out and see for yourself.

A Simple Process

With our focus on customer service and innovative technology we make closing loans easy.

Experienced Customer Service

Our associates are committed to your success, supporting both our mortgage partners and their referral partners every day.

*Some restrictions may apply

Our Success Stories

Our partners work with us because they believe in the value of our platform.

“I loved the customer service as your team answered a number of questions. They were patience, informative, detailed, and truly helped me feel comfortable with the options presented. It’s great to know I have a partner to help me grow my business.”

Carl S.

“The expertise and understanding of a variety of loan products was what sold me. With the detailed guidelines for Non-QM and DSCR programs, I needed someone to show me how best to leverage these products. Thank you, Unite Mortgage.”

Jane W.

“Love the process. I’ve needed an industry expert to partner with who could provide that little extra piece of information that makes the difference. The people at Unite are honest, straight-forward, and always there for me. My new wholesale partner is Unite Mortgage.”

Jason C.

We Are Here to Support Your Growth

Your subject matter experts every time you need us.

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