United University

Loan Originators (LOs): Loan Originators receive 150 basis points (1.50%) lender-paid compensation on funded loans. United Mortgage retains 125 basis points to provide licensing, compliance, processing infrastructure, technology, marketing resources, accounting, operational support, and corporate services. If you choose to provide a lender credit to a borrower from your compensation, the company portion must always remain at a minimum of 125 basis points.

Branch Owners (BOs): Branch Owners typically receive 275–300 basis points, depending on the lender, loan program, and pricing structure. United Mortgage retains 50 basis points to provide corporate oversight, compliance, licensing, technology, operational support, and branch services. Branch Owners are responsible for compensating the Loan Originators within their branch. If a Branch Owner elects to provide a lender credit to a borrower, United Mortgage's minimum corporate compensation must remain at 50 basis points.

Commissions are paid twice each month. Loans that fund on or before the 10th are paid on the 15th of the month, while loans that fund on or before the 25th are paid on the last business day of the month. Before commissions are released, the loan must be fully funded, all lender conditions satisfied, and the required milestones completed within Arive. Payments are made through direct deposit or other approved payment methods.

United Mortgage provides a complete technology platform designed to help you originate loans efficiently. This includes Arive LOS for loan origination and pricing, Bigin CRM for pipeline and contact management, Microsoft 365 including Outlook, Word, Excel, PowerPoint, and Teams, company email, secure cloud document storage, electronic disclosures, marketing resources, and additional operational tools designed to help manage your business from application through closing.

United Mortgage offers free loan processing. Our processing service includes reviewing the initial application, collecting and organizing documentation, ordering verifications when necessary, communicating directly with borrowers, coordinating with Realtors, title companies and insurance agents, submitting files to underwriting, clearing underwriting conditions, monitoring deadlines, coordinating closing, and providing regular status updates throughout the transaction. This allows you to focus on originating new business while our experienced team manages the loan through closing.

The borrower is responsible for paying the credit report fee. In accordance with mortgage regulations, the credit report is generally the only fee that may be collected upfront before the borrower receives the required disclosures and indicates intent to proceed. United Mortgage can create a secure payment link or PayPal payment request that allows borrowers to conveniently pay for their credit report online.

Yes. Loan Originators and Branch Owners may provide lender credits to assist borrowers with closing costs, provided company minimum compensation requirements are maintained. Loan Originators must always leave a minimum of 125 basis points payable to United Mortgage, while Branch Owners must always leave a minimum of 50 basis pointspayable to United Mortgage. Any pricing adjustments must remain compliant with all applicable lender and regulatory compensation rules.

United Mortgage is currently licensed to originate residential mortgage loans in North Carolina, South Carolina, Georgia, Florida, Maryland, Washington D.C., and Texas. You may originate loans in any state where both you and United Mortgage hold the appropriate active licenses. If you wish to become licensed in additional states as the company expands, our compliance department can assist you through the licensing process.

Every Loan Originator and Branch Owner is assigned dedicated onboarding and ongoing training. We have a designated training specialist who will help you become familiar with our systems, loan products, compliance requirements, operational procedures, and sales process. Training includes one-on-one coaching, system demonstrations, product education, compliance updates, operational best practices, and continued support as you grow your business.

United Mortgage offers a comprehensive portfolio of mortgage products to meet a wide range of borrower needs. Available programs include Conventional, FHA, VA, USDA, Jumbo, Non-QM, Bank Statement, DSCR, Investment Property, Construction, Renovation, ITIN, and refinancing solutions, along with numerous specialty programs offered through our wholesale lending partners. Our goal is to provide flexible financing options for virtually every qualified borrower scenario.

United Mortgage has specialized departments available to support you throughout every stage of the loan process. 

- For technology assistance, contact IT@unitedmtg.net. 

- For loan processing questions, contact processor@unitedmtge.net. 

- For marketing requests, flyers, social media, or branding support, contact marketing@unitedmtg.net. 

- For licensing, regulatory, or policy questions, contact compliance@unitedmtg.net. 

- For commission payments, invoices, or accounting matters, contact accounting@unitedmtg.net. 

Our goal is to ensure you always have direct access to the appropriate team so you can receive fast, knowledgeable assistance whenever you need it.