Capital for the borrowers banks keep saying no to.
AI-guided, human-reviewed. Tell us your situation in plain language and get to a real answer fast - no forms first, no credit impact.
Checking options won't affect your credit score.
Three programs. Deep expertise.
We focus where banks are slowest and least flexible: DSCR, bank statement (non-QM), and home equity lines. Fewer programs, faster answers, sharper structuring.
DSCR loans
Investment property financing that may be reviewed on the property's rental income instead of personal income documentation, depending on lender guidelines.
- Reduced personal income documentation
- Purchase, refinance, or cash-out
- LLC-titled properties may be considered
- We shop 30+ lenders to find your fit
Bank statement loans
Some programs may allow review using your deposits instead of tax returns - built for business owners, 1099 contractors, freelancers, and gig-economy earners.
- No tax returns, W2s, or pay stubs required
- Personal or business accounts accepted
- 12-month or 24-month statement options
- Purchase, refinance, or cash-out
HELOC
Tap your equity as a revolving line of credit while keeping the rate on your first mortgage untouched. Draw what you need, when you need it.
- First mortgage rate stays untouched
- Draw as needed, not all at once
- Fixed or variable rate options may be available
- Roughly a 10-year draw period on many programs
Program availability and eligibility depend on borrower profile, property, credit, income, equity, documentation, lender guidelines, and underwriting approval. The AI guide does not approve, pre-approve, qualify, or determine eligibility. Eligibility reviews are completed by licensed mortgage professionals. Starting a review will not affect your credit score.
Get the cash you need without leaving home.
Check your HELOC options in minutes.
- 100% online application with fast initial review
- Funding may be available in as few as 5 days for eligible loans under $400k
- Fixed and variable rate options may be available
- Checking options will not impact your credit score
Rates, payments, loan amounts, and options are estimates only and are not a loan offer, approval, or commitment to lend. Eligibility and terms are subject to application, verification, lender guidelines, and underwriting approval.
Adjust the sliders to see an estimate based on 80% of your home value.
This is an estimate only. Final loan amount, rate, terms, and availability depend on application, credit, income, DTI, property, equity, lender guidelines, and underwriting approval. Not a loan offer or commitment to lend.
Complete the online application
No in-person appraisal may be needed for eligible loans under $400k. Checking options will not affect your credit score.
Get an initial review in minutes
Submit your details for review. A licensed mortgage professional may follow up if your profile appears aligned with available programs.
Move forward with expert support
If there is a potential fit, a licensed mortgage professional can help you understand next steps, documents, rates, terms, and lender requirements.
An AI mortgage guide that asks the right questions.
Instead of long forms, the guide learns your goal, explains your options, and helps prepare your file for expert review.
- Understands your goal
- Asks only the right questions
- Explains mortgage terms simply
- Shows possible paths
- Helps prepare for expert review
- Works for complex borrower situations
Start with your goal.
UPM Mortgage Guide helps you understand the path that may fit your situation.
Buy a home
Explore purchase options, down payment paths, and what you may need to get ready for a licensed mortgage professional to review.
Refinance
See if refinancing may help lower payments, change terms, or unlock cash - subject to review by a licensed mortgage professional.
Use home equity
Estimate equity and compare HELOC, home equity loan, and cash-out refinance options that may be available.
Self-employed mortgage
Business owner, freelancer, or 1099 earner? Explore paths beyond standard W2 income - depending on profile and lender guidelines.
Denied by a bank
A denial doesn't always mean you're out of options. Get a second-look review from a licensed mortgage professional based on your profile.
Home improvement
Planning a renovation or repair? See which financing options may fit your project, depending on profile and lender guidelines.
Program availability and eligibility depend on borrower profile, property, credit, income, equity, documentation, lender guidelines, and underwriting approval. The AI guide does not determine eligibility or qualification.
Other programs we can review for you.
Outside our three core programs, we still shop 30+ lenders across these paths.
Availability and eligibility depend on borrower profile, property, credit, income, equity, documentation, lender guidelines, and underwriting approval. Eligibility reviews are completed by licensed mortgage professionals.
From confusion to clarity in four steps.
Tell us your goal
Answer guided questions
See possible paths
Talk to an expert
Clarity, on demand.
Tap any topic - the AI guide explains it in plain English.
Start with a smarter mortgage conversation.
Tell us what you are trying to do and the UPM Mortgage Guide will help you understand possible next steps.
The AI guide helps with education and intake only. Eligibility, qualification, rates, terms, and approval are reviewed by licensed mortgage professionals and lenders - subject to application, verification, lender guidelines, and underwriting approval.