AI-guided, human-reviewed. Tell us your situation in plain language and get to a real answer fast - no forms first, no credit impact.
Some programs may allow review using your deposits instead of tax returns - built for business owners, 1099 contractors, freelancers, and gig-economy earners.
We focus where banks are slowest and least flexible: DSCR, bank statement (non-QM), and home equity lines. Fewer programs, faster answers, sharper structuring.
Investment property financing that may be reviewed on the property's rental income instead of personal income documentation, depending on lender guidelines.
Some programs may allow review using your deposits instead of tax returns - built for business owners, 1099 contractors, freelancers, and gig-economy earners.
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.
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.
No in-person appraisal may be needed for eligible loans under $400k. Checking options will not affect your credit score.
Submit your details for review. A licensed mortgage professional may follow up if your profile appears aligned with available programs.
If there is a potential fit, a licensed mortgage professional can help you understand next steps, documents, rates, terms, and lender requirements.
Instead of long forms, the guide learns your goal, explains your options, and helps prepare your file for expert review.
UPM Mortgage Guide helps you understand the path that may fit your situation.
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.
Outside our three core programs, we still shop 30+ lenders across these paths.
Offered by private lenders without government backing - purchase, refinance, and cash-out on eligible properties.
A government-backed mortgage that can allow a purchase with less restrictive requirements.
For current and former service members, surviving spouses, and dependents - including self-employed veterans.
Government-backed financing for eligible properties in qualifying rural and suburban areas.
Loan amounts above conforming limits set by Fannie Mae and Freddie Mac, reviewed for complex profiles.
Purchase and refinance options for borrowers whose files fit standard guidelines.
Replace your existing mortgage and pull equity out in a single lump sum, if it fits your profile.
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.
Tap any topic - the AI guide explains it in plain English.
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.
