Get rewarded on your mortgage with Bilt Points

Bilt and UWM have partnered up to bring more value to homeowners

Bilt started as a rewards program for renters. Now, we've partnered with UWM, the nation's #1 wholesale lender, to bring you a first-of-its-kind mortgage rewards program—because whether you're renting or owning, the place you call home should work harder for you.

Starting in January, every on-time mortgage payment becomes rewarding. Transfer your points to your favorite airlines and hotels, use them for future mortgage payments, or save them to use toward your next home.

Your biggest monthly expense should work harder for you

Your mortgage is likely your largest monthly expense. With Bilt + UWM, every payment now earns you points you can actually use.

Transfer points to your favorite airlines and hotels, apply them to future mortgage payments, or save them toward your next home. It's a first-of-its-kind program that makes homeownership more rewarding.

FAQ

What is the UWM + Bilt partnership and what are the benefits?

UWM, the nation's #1 lender, has partnered with Bilt to bring rewards to mortgage payments for the first time. Bilt started as the leading rewards program for renters and is now extending that same benefit to homeowners. 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.

What is the UWM + Bilt partnership and what are the benefits?

What if I am currently making my payments to UWM?

Beginning in January, all borrowers will start making their payments in Bilt. You will also be able to manage their loan, set up payment preferences, monitor rewards and redeem benefits.

What if I am currently making my payments to UWM?

Beginning in January, all borrowers will start making their payments in Bilt. You will also be able to manage their loan, set up payment preferences, monitor rewards and redeem benefits.

Where will I claim and manage my loan?

You’ll manage your loan at bilt.com/loan-administration or download the Bilt app to manage your loan, make payments and earn points.

Where will I claim and manage my loan?

You’ll manage your loan at bilt.com/loan-administration or download the Bilt app to manage your loan, make payments and earn points.

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 the Bilt website or app.

Can I still use the My UWM Loan app to make payments?

If my loan is in process with UWM, will I get access to Bilt?

Beginning in January, all borrowers who work with a broker and close their loan with UWM will begin making payments and earning rewards through Bilt.

If my loan is in process with UWM, will I get access to Bilt?

Beginning in January, all borrowers who work with a broker and close their loan with UWM will begin making payments and earning rewards through Bilt.

How do I earn points with Bilt?

Points will be awarded in the Bilt portal for every on-time digital mortgage payment.

How do I earn points with Bilt?

Points will be awarded in the Bilt portal for every on-time digital mortgage payment.

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.

What can I redeem my points for?

Bilt Points are the industry's most valuable and flexible points currency. Transfer them 1:1 to your favorite airlines and hotels, apply them to future mortgage payments or student loans, redeem for everyday purchases, or save them for a down payment on your next home.

What can I redeem my points for?

Will I receive guidance on setting up my Bilt account?

Once your loan closes, you’ll receive email notifications to easily set up your Bilt account and rewards. You’ll also have access to your mortgage broker and the UWM & Bilt support team in the Bilt app for any questions regarding your loan, payments and rewards

Will I receive guidance on setting up my Bilt account?

How will I stay informed about my reward points and other benefits?

You will receive emails and notifications within the Bilt app about your reward points and benefits. Your points will also be visible at the top of your Bilt dashboard on the app and on desktop.

How will I stay informed about my reward points and other benefits?

You will receive emails and notifications within the Bilt app about your reward points and benefits. Your points will also be visible at the top of your Bilt dashboard on the app and on desktop.

Does Bilt cost anything?

No, it is completely free to set up a Bilt account.

Does Bilt cost anything?

No, it is completely free to set up a Bilt account.

Neighborhood Benefits™

Earn even more points with
Bilt Neighborhood Rewards

Earn even more points with Bilt Neighborhood Rewards

Earn additional points and access exclusive benefits in your neighborhood using any linked debit or credit card at local restaurants, for your favorite fitness classes, with Lyft rideshare, and more. After converting your points into MileagePlus miles, use them to check a bag or enjoy snacks, drinks and more on board your next flight.

Fitness

Pharmacy

Dining

Rideshare

Benefits at local fitness studios

Book classes with our Neighborhood Fitness partners through Bilt to earn points and receive complimentary add-ons like cycling shoes and post workout smoothies.

Explore Bilt Fitness