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.
Every on-time digital mortgage payment through Bilt 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 principal-only mortgage payments or save them to use toward your next home.
UWM + Bilt Partnership
What is Bilt and why am I being asked to use it?
UWM has partnered with Bilt to offer homebuyers a first-of-its kind mortgage rewards program. 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 mortgage on-time and digitally through Bilt, you’ll not only enjoy a secure and convenient way to manage your payments but you’ll also earn Bilt Points. These points can be redeemed for travel, fitness, shopping, or even towards your future homeownership goals.
What is Bilt and why am I being asked to use it?
UWM has partnered with Bilt to offer homebuyers a first-of-its kind mortgage rewards program. 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 mortgage on-time and digitally through Bilt, you’ll not only enjoy a secure and convenient way to manage your payments but you’ll also earn Bilt Points. These points can be redeemed for travel, fitness, shopping, or even towards your future homeownership goals.
Is Bilt affiliated with UWM?
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 UWM?
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, United Wholesale Mortgage (UWM) is still your mortgage servicer, but now you’ll be able to make digital payments through the Bilt platform and have the opportunity to earn Bilt rewards for on-time digital payments.
Is my loan being transferred?
No, United Wholesale Mortgage (UWM) is still your mortgage servicer, but now you’ll be able to make digital payments through the Bilt platform and have the opportunity to earn Bilt rewards for on-time digital payments.
Does this change who owns or services my mortgage?
Your mortgage is still serviced by United Wholesale Mortgage (UWM) and your loan terms remain the same. What’s new is that when you make your on-time digital payments 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 United Wholesale Mortgage (UWM) and your loan terms remain the same. What’s new is that when you make your on-time digital payments through Bilt, you get the added benefit of earning rewards.
Registration & Required Setup
Do I have to register with Bilt?
Yes. You will need to register with Bilt to make digital one-time payments, to set up recurring mortgage payments, access loan information and your mortgage documents. The registration process is quick and easy. Once your loan is registered with Bilt and your payment method is set up, you are ready to start earning rewards for on-time digital payments made through www.bilt.com/loan-administration or the Bilt app. If you do not register with Bilt, you can only make payments via check or over the phone. However, these types of payments will not earn rewards.prefer. You will be able to register beginning January 2, 2026. Visit bilt.com/loan-administration or download the Bilt app.
Do I have to register with Bilt?
Yes. You will need to register with Bilt to make digital one-time payments, to set up recurring mortgage payments, access loan information and your mortgage documents. The registration process is quick and easy. Once your loan is registered with Bilt and your payment method is set up, you are ready to start earning rewards for on-time digital payments made through www.bilt.com/loan-administration or the Bilt app. If you do not register with Bilt, you can only make payments via check or over the phone. However, these types of payments will not earn rewards.prefer. You will be able to register beginning January 2, 2026. Visit bilt.com/loan-administration or download the Bilt app.
What information will I need to claim my loan?
To claim your loan, you will need to provide the following information. The details must match exactly as they appear on your mortgage documents. - Phone Number - First and Last Name - Date of Birth - Email Address - Social Security Number
What information will I need to claim my loan?
To claim your loan, you will need to provide the following information. The details must match exactly as they appear on your mortgage documents. - Phone Number - First and Last Name - Date of Birth - Email Address - Social Security Number
Can a co-borrower register for Bilt and start earning rewards?
All co-borrowers who are on the loan can register and claim their loan in Bilt. However, only the Bilt account that has payments set up can earn and redeem rewards for on-time digital payments.
Can a co-borrower register for Bilt and start earning rewards?
All co-borrowers who are on the loan can register and claim their loan in Bilt. However, only the Bilt account that has payments set up can earn and redeem rewards for on-time digital payments.
What if I have multiple properties or loans with UWM?
Any loan that has received a notification indicating it is now on the Bilt servicing platform will be automatically added to your account once you register and claim your loan with Bilt. If you have a loan that is still on the former UWM servicing platform, please continue making payments and accessing documents through that platform until you receive a notification that your loan has been transitioned to Bilt. Only loans on the Bilt platform that are set up with on-time, digital payments are eligible to earn rewards.
What if I have multiple properties or loans with UWM?
Any loan that has received a notification indicating it is now on the Bilt servicing platform will be automatically added to your account once you register and claim your loan with Bilt. If you have a loan that is still on the former UWM servicing platform, please continue making payments and accessing documents through that platform until you receive a notification that your loan has been transitioned to Bilt. Only loans on the Bilt platform that are set up with on-time, digital payments are eligible to earn rewards.
Do I need to download the Bilt app or can I pay on their website?
Whichever method you prefer. To claim your loan and set up payments, visit www.Bilt.com/loan-administration or download the Bilt app through the Apple App Store or Google Play Store.
Do I need to download the Bilt app or can I pay on their website?
Whichever method you prefer. To claim your loan and set up payments, visit www.Bilt.com/loan-administration or download the Bilt app through the Apple App Store or Google Play Store.
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?
No, 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?
No, 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.
Can I still use the My UWM Loan app to make payments?
Once you receive a notification that you are ready to claim your loan in Bilt, you will no longer be able to make payments through the My UWM Loan app. You will need to register and claim your loan through Bilt to set up payments and start earning rewards.
Can I still use the My UWM Loan app to make payments?
Once you receive a notification that you are ready to claim your loan in Bilt, you will no longer be able to make payments through the My UWM Loan app. You will need to register and claim your loan through Bilt to set up payments and start earning rewards.
Payment Setup & Autopay
How do I make my mortgage payment through Bilt?
Setting up your digital mortgage payment with Bilt is simple. Once you register and claim your loan, you can set up autopay or make a one-time payment through your dashboard or the Payment tab. You have several options to make your digital payment, including ACH (withdraw payments directly from your bank account), credit card or debit. If paying via ACH, you’ll first need to connect your bank account. To add your bank account, you can either connect securely and instantly through Plaid or manually add your bank account which can take up to 24 hours. If you link via Plaid, you’ll be prompted to select your financial institution and enter your online banking log in and password to connect the account. If you manually link your bank account, Bilt will initiate two small deposits, usually less than $1 each, into your bank account. These random amounts are used to confirm account ownership. The deposits will appear in your bank account within 24 hours. Once you see these deposits, log into your Bilt account, navigate to Wallet > Bank Accounts, and enter the exact deposit amounts to complete the verification process. This secure method ensures your bank account ownership is verified without directly sharing sensitive banking credentials.
How do I make my mortgage payment through Bilt?
Setting up your digital mortgage payment with Bilt is simple. Once you register and claim your loan, you can set up autopay or make a one-time payment through your dashboard or the Payment tab. You have several options to make your digital payment, including ACH (withdraw payments directly from your bank account), credit card or debit. If paying via ACH, you’ll first need to connect your bank account. To add your bank account, you can either connect securely and instantly through Plaid or manually add your bank account which can take up to 24 hours. If you link via Plaid, you’ll be prompted to select your financial institution and enter your online banking log in and password to connect the account. If you manually link your bank account, Bilt will initiate two small deposits, usually less than $1 each, into your bank account. These random amounts are used to confirm account ownership. The deposits will appear in your bank account within 24 hours. Once you see these deposits, log into your Bilt account, navigate to Wallet > Bank Accounts, and enter the exact deposit amounts to complete the verification process. This secure method ensures your bank account ownership is verified without directly sharing sensitive banking credentials.
Can I make my payment with a credit card?
Yes, you can make payments using a Mastercard credit card. If you pay with the Bilt Card, there is no transaction fee. All other credit cards incur a 3% fee on top of the payment amount. Please note that depending on your transaction amount, your credit card provider may initially decline or flag a payment.
Can I make my payment with a credit card?
Yes, you can make payments using a Mastercard credit card. If you pay with the Bilt Card, there is no transaction fee. All other credit cards incur a 3% fee on top of the payment amount. Please note that depending on your transaction amount, your credit card provider may initially decline or flag a payment.
Can I make my payment with a debit card?
Yes, both Mastercard Debit and Visa Debit are accepted payment options. Debit card payments will incur a processing fee of $9.95
Can I make my payment with a debit card?
Yes, both Mastercard Debit and Visa Debit are accepted payment options. Debit card payments will incur a processing fee of $9.95
What happens if I already have autopay set up with UWM?
Once you receive a notification that you are ready to claim your loan in Bilt, your current autopay, including those set up through ACH (withdraw payments directly from your bank account), will not automatically transfer over and will need to be set up again with Bilt. To add your bank account, you will need to connect securely and instantly through Plaid or manually add your bank account, which may take up to 24 hours. If you link via Plaid, you’ll be prompted to select your financial institution and enter your online banking log in and password to connect the account. If you manually link your bank account, Bilt will initiate two small deposits, usually less than $1 each, into your bank account. These random amounts are used to confirm account ownership. The deposits will appear in your bank account within 24 hours. Once you see these deposits, log into your Bilt account, navigate to Wallet > Bank Accounts, and enter the exact deposit amounts to complete the verification process. This secure method ensures your bank account ownership is verified without directly sharing sensitive banking credentials.
What happens if I already have autopay set up with UWM?
Once you receive a notification that you are ready to claim your loan in Bilt, your current autopay, including those set up through ACH (withdraw payments directly from your bank account), will not automatically transfer over and will need to be set up again with Bilt. To add your bank account, you will need to connect securely and instantly through Plaid or manually add your bank account, which may take up to 24 hours. If you link via Plaid, you’ll be prompted to select your financial institution and enter your online banking log in and password to connect the account. If you manually link your bank account, Bilt will initiate two small deposits, usually less than $1 each, into your bank account. These random amounts are used to confirm account ownership. The deposits will appear in your bank account within 24 hours. Once you see these deposits, log into your Bilt account, navigate to Wallet > Bank Accounts, and enter the exact deposit amounts to complete the verification process. This secure method ensures your bank account ownership is verified without directly sharing sensitive banking credentials.
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 by heading to the Wallet tab. If you change your payment method by adding a new bank account, you will need to connect securely and instantly through Plaid or manually add your bank account, which may take up to 24 hours. If you link via Plaid, you’ll be prompted to select your financial institution and enter your online banking log in and password to connect the account. If you manually link your bank account, Bilt will initiate two small deposits, usually less than $1 each, into your bank account. These random amounts are used to confirm account ownership. The deposits will appear in your bank account within 24 hours. Once you see these deposits, log into your Bilt account, navigate to Wallet > Bank Accounts, and enter the exact deposit amounts to complete the verification process. This secure method ensures your bank account ownership is verified without directly sharing sensitive banking credentials.
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 by heading to the Wallet tab. If you change your payment method by adding a new bank account, you will need to connect securely and instantly through Plaid or manually add your bank account, which may take up to 24 hours. If you link via Plaid, you’ll be prompted to select your financial institution and enter your online banking log in and password to connect the account. If you manually link your bank account, Bilt will initiate two small deposits, usually less than $1 each, into your bank account. These random amounts are used to confirm account ownership. The deposits will appear in your bank account within 24 hours. Once you see these deposits, log into your Bilt account, navigate to Wallet > Bank Accounts, and enter the exact deposit amounts to complete the verification process. This secure method ensures your bank account ownership is verified without directly sharing sensitive banking credentials.
Can I mail a check to make a payment, if I prefer?
Yes, you can mail a check. However, you will not earn points for payments made by check. Only on-time digital payments made through Bilt will earn points.
Can I mail a check to make a payment, if I prefer?
Yes, you can mail a check. However, you will not earn points for payments made by check. Only on-time digital payments made through Bilt will earn points.
Can I call in to make a payment, if I prefer?
Yes, you can call in to make a payment. However, you will not earn points for payments made over the phone. Only on-time digital payments made through Bilt will earn points. The first time you call to make a payment over the phone you will need to provide your bank account information, this information will be stored for future payments made over the phone. Any bank account information stored in the Bilt portal will not be accessible to the agent on the phone.
Can I call in to make a payment, if I prefer?
Yes, you can call in to make a payment. However, you will not earn points for payments made over the phone. Only on-time digital payments made through Bilt will earn points. The first time you call to make a payment over the phone you will need to provide your bank account information, this information will be stored for future payments made over the phone. Any bank account information stored in the Bilt portal will not be accessible to the agent on the phone.
Payments, Fees & Rewards
Payments, Fees & Rewards
Are there any fees for using Bilt?
There are no fees to use Bilt, however the payment method you select could result in an additional fee. There are no additional fees for recurring or one-time ACH payments (withdraws directly from your bank account) made through Bilt. Additional fees will apply for payments made with a credit card or debit card. - Mastercard credit card is an available option. Credit card payments do incur a 3% fee on top of your payment amount. Be aware that due to the size of an individual’s mortgage payment your credit card provider may initially decline or flag this payment. - Mastercard Debit and Visa Debit are accepted payment options. Debit card payments will incur a processing fee of $9.95.
Are there any fees for using Bilt?
There are no fees to use Bilt, however the payment method you select could result in an additional fee. There are no additional fees for recurring or one-time ACH payments (withdraws directly from your bank account) made through Bilt. Additional fees will apply for payments made with a credit card or debit card. - Mastercard credit card is an available option. Credit card payments do incur a 3% fee on top of your payment amount. Be aware that due to the size of an individual’s mortgage payment your credit card provider may initially decline or flag this payment. - Mastercard Debit and Visa Debit are accepted payment options. Debit card payments will incur a processing fee of $9.95.
Can I earn rewards or points by paying through Bilt?
Yes. You can earn Bilt rewards points each time you make an on-time digital mortgage payment through Bilt.
Can I earn rewards or points by paying through Bilt?
Yes. You can earn Bilt rewards points each time you make an on-time digital mortgage payment through Bilt.
What types of payments will not earn me points?
Only on-time digital payments made through Bilt will earn points. Payments that will not earn points include: - Late payments - Mailed checks - Payments made over the phone - Payments made through BillPay through your bank
What types of payments will not earn me points?
Only on-time digital payments made through Bilt will earn points. Payments that will not earn points include: - Late payments - Mailed checks - Payments made over the phone - Payments made through BillPay through your bank
What can I redeem my points for?
Points can be redeemed for everyday neighborhood benefits such as restaurants, grocery stores, pharmacies, travel, and more. Additionally, you can use your points to reduce your future principal mortgage payment or apply them toward the down payment on your next home.
What can I redeem my points for?
Points can be redeemed for everyday neighborhood benefits such as restaurants, grocery stores, pharmacies, travel, and more. Additionally, you can use your points to reduce your future principal mortgage payment or apply them toward the down payment on your next home.
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 at www.biltrewards.com/rewards/benefits 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 at www.biltrewards.com/rewards/benefits to understand how to earn points and redeem them for rewards and benefits.
Transition & Support
When will the Bilt experience be available?
As soon as you receive a notification that your new servicing payment platform is through Bilt, you can register and claim your loan to start earning rewards.
When will the Bilt experience be available?
As soon as you receive a notification that your new servicing payment platform is through Bilt, you can register and claim your loan to start earning rewards.
What happens if I do not register with Bilt?
If you choose not to register, you can make your mortgage payments by mailing a check or calling in. However, please note that you will not earn points for these payments. Only on-time digital payments made through Bilt earn rewards.
What happens if I do not register with Bilt?
If you choose not to register, you can make your mortgage payments by mailing a check or calling in. However, please note that you will not earn points for these payments. Only on-time digital payments made through Bilt earn rewards.
Who do I contact if I have questions about Bilt?
For questions about registering with Bilt, your loan, or earning rewards, please use our chatbot within the Bilt app or on your dashboard when you log into bilt.com/loan-administration.
Who do I contact if I have questions about Bilt?
For questions about registering with Bilt, your loan, or earning rewards, please use our chatbot within the Bilt app or on your dashboard when you log into bilt.com/loan-administration.
What if I have trouble claiming my loan?
If you encounter issues claiming your loan or get locked out of registration, please contact 888-896-9658 Monday through Friday, 8AM–8PM ET.
What if I have trouble claiming my loan?
If you encounter issues claiming your loan or get locked out of registration, please contact 888-896-9658 Monday through Friday, 8AM–8PM ET.
What if I can’t find a mortgage document or have trouble accessing the Document Center?
If you're having trouble accessing a document, please use our chatbot for quick support within the Bilt app or on your dashboard at bilt.com/loan-administration.
What if I can’t find a mortgage document or have trouble accessing the Document Center?
If you're having trouble accessing a document, please use our chatbot for quick support within the Bilt app or on your dashboard at bilt.com/loan-administration.
How do I access my year-end statement (1098) after I register with Bilt?
If you have opted to receive electronic documents, you can easily access your year-end statement by logging into your Bilt account. Navigate to the Document Center on your payment dashboard and open the "Taxes" folder. This process is quick, secure, and centralized, allowing you to download or print your statement whenever needed. If you’re not enrolled in paperless, your 1098 will be mailed to the address on file.
How do I access my year-end statement (1098) after I register with Bilt?
If you have opted to receive electronic documents, you can easily access your year-end statement by logging into your Bilt account. Navigate to the Document Center on your payment dashboard and open the "Taxes" folder. This process is quick, secure, and centralized, allowing you to download or print your statement whenever needed. If you’re not enrolled in paperless, your 1098 will be mailed to the address on file.
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?
No, 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?
No, 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.
Security & Privacy
Is Bilt a legitimate payment processor?
Yes, Bilt is a verified and trusted partner of UWM, dedicated to secure processing of your payments with the utmost reliability.
Is Bilt a legitimate payment processor?
Yes, Bilt is a verified and trusted partner of UWM, dedicated to secure processing of your payments with the utmost reliability.
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.