Built on an AI lending platform, not a loan officer's gut.
Every program on this site runs through the same AI underwriting engine. A human licensed officer signs off on every file.
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.
| What matters | Traditional lender | UPM |
|---|---|---|
| Time to know what you qualify for | Days, after manual document review | Minutes, via AI document read |
| Why you were matched to a program | Rarely explained | Reasoning shown, not a black box |
| Who makes the final call | Loan officer, manually | Licensed officer, AI-assisted |
| Programs covered | Usually 1-2 | DSCR, bank-statement, HELOC, HEA, traditional, more |
| Underlying infrastructure | Proprietary, unverified | SOC 2, used by 150+ institutions |
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.
