Coming January 2026:
Get rewarded on your mortgage
Powered by Bilt, the leading rewards platform for homeowners and UWM, the #1 overall mortgage lender
A smarter mortgage with built-in rewards
UWM and Bilt are partnering to bring a first-of-its-kind mortgage rewards program to life. And you will be one of the first to benefit.
Starting in January, every on-time digital mortgage payment you make becomes rewarding. As you earn points for paying your mortgage on-time, you'll then have the flexibility to transfer them to your favorite airlines and hotels, use them for future mortgage payments, or save them to use toward your next home.
Understanding Bilt
What is Bilt and why am I being asked to use it?
Bilt is more than just a payment platform. It’s a rewards program designed to make your mortgage payments work harder for you. By paying your digital mortgage payment on time through Bilt, you’ll continue to enjoy a secure and convenient way to manage your payments, but now, your payments will earn you Bilt Points which can be redeemed for travel, fitness, shopping or even toward your future homeownership goals.
What is Bilt and why am I being asked to use it?
Bilt is more than just a payment platform. It’s a rewards program designed to make your mortgage payments work harder for you. By paying your digital mortgage payment on time through Bilt, you’ll continue to enjoy a secure and convenient way to manage your payments, but now, your payments will earn you Bilt Points which can be redeemed for travel, fitness, shopping or even toward your future homeownership goals.
Does this change who owns or services my mortgage?
Your mortgage is still serviced by UWM and your loan terms remain the same. What’s new is that when you make your payments on time through Bilt, you get the added benefit of earning rewards.
Does this change who owns or services my mortgage?
Your mortgage is still serviced by UWM and your loan terms remain the same. What’s new is that when you make your payments on time through Bilt, you get the added benefit of earning rewards.
Do I have to register with Bilt?
Yes. You will need to register with Bilt to keep making your recurring payments or schedule one-time mortgage payments. The registration is quick and easy. Once your loan is registered with Bilt, you will be ready to start earning rewards. We encourage you to register early so that your payment method is verified and ready to go, so you can begin enjoying the benefits of Bilt points right away.
Do I have to register with Bilt?
Yes. You will need to register with Bilt to keep making your recurring payments or schedule one-time mortgage payments. The registration is quick and easy. Once your loan is registered with Bilt, you will be ready to start earning rewards. We encourage you to register early so that your payment method is verified and ready to go, so you can begin enjoying the benefits of Bilt points right away.
After I register and claim my loan with Bilt, can I still access my information through the old site and use my old login information?
Once you have registered and claimed your loan with Bilt, your mortgage information will only be available through the Bilt platform, and you will use your Bilt login going forward. Bilt offers a streamlined, modern experience with everything in one place, including easy access to payments, statements and documents, plus the added bonus of tracking and redeeming your rewards.
After I register and claim my loan with Bilt, can I still access my information through the old site and use my old login information?
Once you have registered and claimed your loan with Bilt, your mortgage information will only be available through the Bilt platform, and you will use your Bilt login going forward. Bilt offers a streamlined, modern experience with everything in one place, including easy access to payments, statements and documents, plus the added bonus of tracking and redeeming your rewards.
How do I access my year-end statement (1098) after I register on Bilt?
If you’ve chosen to receive electronic documents, your 2025 1098 Mortgage Interest Statement will be ready online by January 7, 2026. Once you register and log into your Bilt account, simply go to the Document Center and open the “Taxes” folder. It’s quick, secure and all in one place, making it easy to download or print whenever you need it.
How do I access my year-end statement (1098) after I register on Bilt?
If you’ve chosen to receive electronic documents, your 2025 1098 Mortgage Interest Statement will be ready online by January 7, 2026. Once you register and log into your Bilt account, simply go to the Document Center and open the “Taxes” folder. It’s quick, secure and all in one place, making it easy to download or print whenever you need it.
What if I can’t find a document or have trouble accessing the Document Center?
First, make sure your registration is complete and that you’ve claimed your loan in Bilt. If everything looks good but you’re still having trouble, help is just a click away. You can use online chat for quick support within the app or at bilt.com/loanadministration.
What if I can’t find a document or have trouble accessing the Document Center?
First, make sure your registration is complete and that you’ve claimed your loan in Bilt. If everything looks good but you’re still having trouble, help is just a click away. You can use online chat for quick support within the app or at bilt.com/loanadministration.
Is Bilt affiliated with my mortgage company?
UWM and Bilt have partnered together to bring you something new: rewards for paying your mortgage on time. Your loan is still with UWM, but by making payments through Bilt you can earn points that can be redeemed for travel, shopping, fitness and more.
Is Bilt affiliated with my mortgage company?
UWM and Bilt have partnered together to bring you something new: rewards for paying your mortgage on time. Your loan is still with UWM, but by making payments through Bilt you can earn points that can be redeemed for travel, shopping, fitness and more.
Is my loan being transferred?
No. UWM is still your mortgage servicer. Starting January 2, 2026, you will be able to sign up for Bilt to earn rewards when you make your monthly mortgage payment on time.
Is my loan being transferred?
No. UWM is still your mortgage servicer. Starting January 2, 2026, you will be able to sign up for Bilt to earn rewards when you make your monthly mortgage payment on time.
Registration & Required Setup
Do I need to register with Bilt?
You will need to register with Bilt to receive points when you pay your monthly payment on time. You are not eligible to receive Bilt rewards if your payment is past due. Register with Bilt as soon as possible to continue making online and reoccurring payments. Registering early ensures your payment method is verified and ready.
Do I need to register with Bilt?
You will need to register with Bilt to receive points when you pay your monthly payment on time. You are not eligible to receive Bilt rewards if your payment is past due. Register with Bilt as soon as possible to continue making online and reoccurring payments. Registering early ensures your payment method is verified and ready.
Do I need to reenter my payment information?
Once you register and claim your loan with Bilt, you’ll need to enter your preferred payment method and complete a secure micro-deposit verification. As part of this process, Bilt sends a small deposit to your bank account, which you must check, note the exact amount, and send back to Bilt. This verification ensures your account is securely linked and must be completed before any payments can be processed.
Do I need to reenter my payment information?
Once you register and claim your loan with Bilt, you’ll need to enter your preferred payment method and complete a secure micro-deposit verification. As part of this process, Bilt sends a small deposit to your bank account, which you must check, note the exact amount, and send back to Bilt. This verification ensures your account is securely linked and must be completed before any payments can be processed.
Do I need to download the Bilt app or can I pay on their website?
Whichever method you prefer. Both require registering, claiming your loan, adding your payment method and completing the micro-deposit verification. You will be able to register beginning January 2, 2026. Visit bilt.com/loanadministration or download the Bilt app.
Do I need to download the Bilt app or can I pay on their website?
Whichever method you prefer. Both require registering, claiming your loan, adding your payment method and completing the micro-deposit verification. You will be able to register beginning January 2, 2026. Visit bilt.com/loanadministration or download the Bilt app.
Can I still use the My UWM Loan app to make payments?
You can continue to make payments through the My UWM Loan app until March 1, 2026. After this date, the My UWM Loan app will be discontinued, and all payments must be made through Bilt.
Can I still use the My UWM Loan app to make payments?
You can continue to make payments through the My UWM Loan app until March 1, 2026. After this date, the My UWM Loan app will be discontinued, and all payments must be made through Bilt.
What happens if I already have AutoPay set up with UWM?
You will need to sign up for AutoPay in Bilt; your current ACH set will not carry over.
What happens if I already have AutoPay set up with UWM?
You will need to sign up for AutoPay in Bilt; your current ACH set will not carry over.
How do I update my payment method or bank account in Bilt?
Once you have registered and your loan is claimed, you can update your payment method within Bilt at any time. Some updates may require repeating the micro-deposit verification.
How do I update my payment method or bank account in Bilt?
Once you have registered and your loan is claimed, you can update your payment method within Bilt at any time. Some updates may require repeating the micro-deposit verification.
Can I still mail a check if I prefer?
Yes. You can continue to mail a check, but setting up AutoPay or making a one- time payment through Bilt allows you to earn rewards and manage your payment more easily.
Can I still mail a check if I prefer?
Yes. You can continue to mail a check, but setting up AutoPay or making a one- time payment through Bilt allows you to earn rewards and manage your payment more easily.
How do I make my mortgage payment through Bilt?
It’s easy! Once you register and claim your loan, you will be able to set up AutoPay or a one-time payment using your bank account. Don’t forget, micro- deposit verification must be completed before making an online payment. If you still have questions, you can review this video.
How do I make my mortgage payment through Bilt?
It’s easy! Once you register and claim your loan, you will be able to set up AutoPay or a one-time payment using your bank account. Don’t forget, micro- deposit verification must be completed before making an online payment. If you still have questions, you can review this video.
Payments, Fees & Rewards
Are there any fees for using Bilt?
No. Payments made through Bilt do not incur additional fees.
Are there any fees for using Bilt?
No. Payments made through Bilt do not incur additional fees.
Can I earn rewards or points by paying through Bilt?
Yes. You can earn Bilt rewards points each time you make your mortgage payment on time through Bilt. Payments must be made through Bilt to earn rewards.
Can I earn rewards or points by paying through Bilt?
Yes. You can earn Bilt rewards points each time you make your mortgage payment on time through Bilt. Payments must be made through Bilt to earn rewards.
What can I redeem my points for?
Points can be redeemed for everyday neighborhood benefits like restaurants, grocery stores, pharmacies, travel and more.
What can I redeem my points for?
Points can be redeemed for everyday neighborhood benefits like restaurants, grocery stores, pharmacies, travel and more.
How will I stay informed about my reward points and other benefits?
You will receive emails and notifications about your reward points and benefits within the Bilt app. Your points bank will also be visible at the top of your Bilt dashboard on the app and on your desktop.
How will I stay informed about my reward points and other benefits?
You will receive emails and notifications about your reward points and benefits within the Bilt app. Your points bank will also be visible at the top of your Bilt dashboard on the app and on your desktop.
Will there be resources available to understand the rewards program better?
Visit Bilt’s rewards page to understand how to earn points and redeem them for rewards and benefits.
Will there be resources available to understand the rewards program better?
Visit Bilt’s rewards page to understand how to earn points and redeem them for rewards and benefits.
Will there be resources available to understand the rewards program better?
Visit Bilt.com to understand ways to earn and redeem rewards and benefits.
Will there be resources available to understand the rewards program better?
Visit Bilt.com to understand ways to earn and redeem rewards and benefits.
Transition & Support
When will the Bilt experience be available?
Your Bilt payment experience begins on January 2, 2026.
When will the Bilt experience be available?
Your Bilt payment experience begins on January 2, 2026.
Who do I contact if I have questions about Bilt?
For questions on registering, claiming your loan or earning rewards, please contact Bilt support. For other mortgage-related questions on your loan, you can contact UWM through live chat.
Who do I contact if I have questions about Bilt?
For questions on registering, claiming your loan or earning rewards, please contact Bilt support. For other mortgage-related questions on your loan, you can contact UWM through live chat.
What happens if I miss a payment during the transition?
UWM will continue applying its standard late-payment policy. Registering early and completing verification ensures your payment method is ready and on time.
What happens if I miss a payment during the transition?
UWM will continue applying its standard late-payment policy. Registering early and completing verification ensures your payment method is ready and on time.
What happens if I do not register with Bilt?
If you do not register and verify your payment method by the end of April, you will not be able to make online payments and you will not be eligible to receive rewards points. You may still mail a check until registration is completed. Eventually, if you want to make an online payment or set up reoccurring drafting though ACH, you will be required to do so through Bilt.
What happens if I do not register with Bilt?
If you do not register and verify your payment method by the end of April, you will not be able to make online payments and you will not be eligible to receive rewards points. You may still mail a check until registration is completed. Eventually, if you want to make an online payment or set up reoccurring drafting though ACH, you will be required to do so through Bilt.
What if I have multiple properties or loans?
After registering, Bilt will prompt you to claim your multiple loans.
What if I have multiple properties or loans?
After registering, Bilt will prompt you to claim your multiple loans.
Security & Privacy
Is Bilt a legitimate payment processor?
Yes. Bilt is verified and a trusted partner of UWM to securely process payments.Through this partnership, borrowers with UWM loans can manage their loans, set up payments, and earn valuable Bilt Points with every on-time mortgage payment—all through Bilt's easy-to-use platform.
Is Bilt a legitimate payment processor?
Yes. Bilt is verified and a trusted partner of UWM to securely process payments.Through this partnership, borrowers with UWM loans can manage their loans, set up payments, and earn valuable Bilt Points with every on-time mortgage payment—all through Bilt's easy-to-use platform.
Is my information secure?
Yes. All payment information is encrypted and protected using industry- standard security measures.
Is my information secure?
Yes. All payment information is encrypted and protected using industry- standard security measures.