United University

Your compensation is set by your Branch Owner and processed directly by United Mortgage Headquarters. The Branch Owner determines your commission structure and handles any individual performance agreements. United Mortgage ensures timely payroll processing and compliance with compensation regulations.

 Loan amount thresholds are set by your Branch Owner. Minimum and maximum loan sizes may vary between branches, so please confirm these limits with your Branch Owner before originating loans.

Commissions for loans closed and fully funded by the last day of the month are processed through GUSTO and paid on the 7th of the following month (or the next business day). Direct deposits may take 3–5 business days to reflect, depending on your financial institution.

Yes. After 90 days of employment and meeting minimum production requirements:

• You can enroll in group-discounted health insurance through United Healthcare.
• You can also enroll in a 401(k) plan through Guideline.
  Both benefits are optional and participation is coordinated directly with United Mortgage HQ.

You have access to multiple support resources:

• A 24-hour AI phone system for general guidance and system navigation.
• United University, which offers training videos, systems walkthroughs, and ongoing education.
• Wholesale lender account executives, who are excellent resources for loan structuring, scenario questions, and product guidance.
  For day-to-day support, always start with your Branch Owner, who oversees your operational support and training.

 United Mortgage does not offer in-house loan processing. You have the following approved options:

• Use Processor Assist Plus (PA+) from UWM for $395 (charged to the borrower).
• Use a third-party processor approved by your Branch Owner.
• Process the file yourself, if approved.

You may choose from the following options:

• Use UWM’s free credit report feature (if originating with UWM).
• Use Credo, our integrated credit provider through Arive.
  Borrowers must authorize all credit pulls. Costs are typically paid by the borrower and credited at closing, though you may cover the cost and be reimbursed at closing if necessary.

Lender-Paid Compensation is most commonly used by Mortgage Loan Originators at United Mortgage. However, in certain circumstances, Borrower-Paid Compensation may be necessary, in order to close the loan and/or provide incentives/credits. Under Borrower-Paid Compensation, United Mortgage’s compensation must not fall below 50 BPS or 0.5% in addition to your Branch Agreement. Credits for the rate cost can be provided as long as the United Mortgage and Branch compensation is always received.

You are required to use:

• Arive as the Loan Origination System (LOS).
• Your assigned United Mortgage email (Name.Last@UnitedMtg.net).
• Your personal United Mortgage webpage (UnitedMtg.net/Name-Last) for borrower applications and communication.
  All borrower communication must take place through approved systems to ensure compliance.

United Mortgage is licensed in:

• North Carolina
• South Carolina
• Georgia
• Florida
• Virginia

You may only originate loans in these states and must be personally licensed in the state where the loan is originated. No compensation is provided for loans or referrals outside these jurisdictions.