United Wholesale Mortgage Lender Texas Premier Mortgage
Texas Premier Mortgage
As a leading Mortgage Broker in Texas and Award Winning in Houston, we only partner with the best lenders. UWM or United Wholesale Mortgage is the leading Wholesale Lender in the country! The technology is the best in the industry along with its products, lowest rates, and same-day underwriting turn-times. Many times our loans are fully approved in 2 - 3 weeks. Experience the power of a Local Mortgage Broker. We'll make sure you get the best rate, fees along with our Award Winning Service!
THE UWM STORY
THE #1 WHOLESALE MORTGAGE LENDER IN THE COUNTRY
UWM has been the #1 wholesale lender in the country for seven consecutive years, according to data compiled by Inside Mortgage Finance – something we achieved with the help of our broker partners. And with 20% market share and counting, it’s a title we intend to keep. We continue to expand our operations at an unprecedented pace, following a long-term plan to stay ahead of the curve and remain strategically positioned to capitalize on future shifts in the mortgage industry.
But what exactly is a wholesale lender? Instead of offering mortgages directly to consumers, we work exclusively with independent mortgage brokers across the country to help them provide a client experience far superior to that of any bank or retail mortgage lender. We also use our considerable resources and leadership position to provide training, technology, marketing support, and more to help our entrepreneurial partners compete, win, and grow their businesses — because the more successful they are, the more successful we will be.
The Advantage of Using a Mortgage Broker with United Wholesale Mortgage (UWM)
When shopping for a home loan in Texas, choosing the right mortgage partner can save you time, money, and stress. Working with a mortgage broker partnered with United Wholesale Mortgage (UWM) gives consumers a powerful advantage that traditional banks simply cannot offer.
Why Consumers Benefit from a Mortgage Broker like Texas Premier Mortgage
A mortgage broker works for you — not the bank. Unlike retail loan officers who can only offer their institution’s rates and programs, a mortgage broker has access to multiple wholesale lenders. That means more competition, better pricing flexibility, and more loan options tailored to your financial goals.
Here’s how that benefits you:
More Loan Options
Mortgage brokers can offer conventional loans, jumbo loans, FHA, VA, USDA, renovation loans, and specialized programs. If your situation is unique — self-employed income, high debt-to-income ratio, investment properties, or credit challenges — a broker can match you with the right lender solution.
Competitive Wholesale Rates
Because brokers access wholesale pricing, borrowers often receive more competitive interest rates compared to many large retail banks. Over the life of a 30-year mortgage, even a small rate difference can save tens of thousands of dollars.
Personalized Strategy
A broker analyzes your full financial picture and builds a loan strategy around your long-term goals. Whether you're focused on the lowest payment, fastest payoff, no mortgage insurance, or investment cash flow, your loan is structured with intention.
Speed and Efficiency
Mortgage brokers work closely with lenders like UWM that prioritize fast underwriting and streamlined processing. This helps reduce delays, strengthen purchase offers, and create smoother closings.
Why United Wholesale Mortgage (UWM) Strengthens the Experience
United Wholesale Mortgage is the nation’s leading wholesale mortgage lender and works exclusively through independent mortgage brokers. This wholesale model benefits consumers by eliminating much of the overhead built into retail bank lending structures.
When your broker partners with UWM, you gain:
Advanced Mortgage Technology
UWM invests heavily in proprietary systems that make approvals faster and communication more transparent. This means quicker pre-approvals, efficient underwriting, and smoother loan tracking from start to finish.
Consistent Underwriting Standards
UWM is known for clear guidelines and dependable decision-making. This reduces last-minute surprises and helps buyers feel confident during the mortgage process.
Wide Product Flexibility
From first-time homebuyer loans to high-balance conventional mortgages, VA loans for veterans, jumbo financing, and refinance programs, UWM offers broad flexibility that helps brokers serve nearly every type of borrower.
Major Consumer Benefit: Waive Escrows at No Extra Cost with UWM & Texas Premier Mortgage
One of the most attractive benefits when working with a mortgage broker using UWM is the ability to waive escrow accounts with no additional cost, when eligible.
Many lenders charge fees or increase pricing if a borrower chooses not to escrow property taxes and homeowner’s insurance. UWM allows qualified borrowers to waive escrows without incurring additional costs.
What this means for you:
- You maintain control of your property tax and insurance payments.
- Your monthly mortgage payment may be lower without escrow collections included.
- No added lender fees simply for managing your own tax and insurance obligations.
- Greater flexibility for disciplined homeowners and real estate investors.
For financially responsible borrowers, this is a powerful option that provides freedom and control without financial penalty.
Why the Broker + UWM Model Wins
The combination of a trusted mortgage broker and United Wholesale Mortgage creates a consumer-focused lending experience built around flexibility, pricing, and speed.
Consumers benefit from:
- Access to the newest and most advanced products in the country
- Wholesale interest rate pricing
- More loan program options
- Faster underwriting turn times
- Transparent communication
- The ability to waive escrows at no extra cost
- Personalized guidance from start to closing
In today’s competitive Texas housing market, having a mortgage expert who shops wholesale pricing through UWM can give buyers and homeowners a measurable financial advantage.
A BETTER BROKER AND BORROWER EXPERIENCE
At UWM, our mission is twofold: to make the mortgage process better for our broker partners and to help them deliver an unparalleled experience to their borrowers. We do so by focusing on client experience. We hire great people and train each and every one of them to provide friendly, personal service through every stage of the loan process. We pick up every call, respond to every email and have a system in place that allows us to answer questions and resolve any issues in minutes, not days. We also give our broker partners direct access to a dedicated in-house account executive as well as their own teams of underwriters and closers. And they, in turn, are able to provide their clients with a cheaper, faster, easier mortgage process that takes an average of just 19 days from start to finish, compared to the industry average of 43 days.
TECHNOLOGY THAT DRIVES THE INDUSTRY
We subscribe to a build versus buy philosophy. Much of the exceptional service we provide is the result of proprietary technology conceived, designed and built by our own in-house developers. As leaders in the mortgage industry, we are uniquely positioned to anticipate our broker partners' needs and develop technology that enables them to compete at a much higher level.
We also develop technology that we simply give to our broker partners to use with their clients — like Blink+, a tool that lets our brokers take online mortgage applications 24 hours a day (and includes Point of Sale, Loan Origination System and Customer Relationship Management capabilities); UWM InTouch, a powerful mobile app that allows them to manage their loans right from their phone; and Brand 360, a multifunctional marketing tool that makes it easy for brokers of all sizes to market themselves to potential borrowers and real estate agents and helps generate repeat and referral business.
For more information on working with UWM and Texas Premier Mortgage on your next home loan, the benefits and loan options and how it may apply to you, please contact us direct at 281-784-0661 or submit the "Quick Quote" form on this page.
