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WELCOME TO United direct LENDING

Exclusive Loan Programs

As an Elite Partner, your clients gain access to exclusive mortgage solutions
designed to lower costs, enhance affordability, and provide unmatched
flexibility. These loan programs are crafted to give your clients a competitive edge
in the homebuying process, helping them secure the best financing options
available.

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Exclusive rates not available to the public, ensuring Elite Partner clients receive unmatched pricing.

30k+ Satified Clients.

The Closing Cost Advantage

Helps clients cover closing costs or secure a lower rate.

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The Balanced Boost Plan

Flexible rate buydown options to maximize affordability.

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The Lifetime Saver Program

Provides long-term savings through rate reductions and
refinancing benefits.

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Welcome To Elite Partner Program

Congratulations! You’ve been referred by a trusted Elite Partner, you now have access to preferred rates, exclusive loan programs, and special perks not available to the general public. This portal was built with you in mind—explore your options, calculate your savings, and apply online in just minutes. We’re here to simplify your path to homeownership with white-glove service and industry-leading speed.

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THE NATIONAL AVERAGE RATES

How Our Rates Compare

The only Mortgage Lending company providing best possible Loan Rates to the customers.
30-Yr. Conforming
6.50%
30-Yr. Jumbo
6.50%
30-Yr. FHA
6.125%
30-Yr. VA
6.125%
30-Yr. USDA
5.875%
15-Yr. Conforming
5.75%

Our Loan Programs

By leveraging these exclusive loan programs, our clients gain access to unparalleled financing options that help them buy a home with lower costs and better terms. As an Elite Partner, you are equipped with powerful tools to close more deals, faster.

Terms
Benefits
 

This program provides 2% of the loan amount back toward closing costs or a permanent rate buydown, making homeownership more accessible by reducing upfront expenses.

  • Buyers looking to reduce upfront costs.
  • Clients who need lower out-of-pocket expenses to close the deal.
  • Homebuyers looking for an affordable interest rate reduction.

By leveraging these exclusive loan programs, your clients gain access to unparalleled financing options that help them buy a home with lower costs and better terms. As an Elite Partner, you are equipped with powerful tools to close more deals, faster.

Terms
Benefits

2% permanent rate buydown for the life of the loan.

Refinance cost coverage (2% of loan amount) if rates drop after 6 months of closing.

Lower monthly payments for long-term affordability.
  • Buyers looking for long-term savings on their mortgage.
  • Clients planning to refinance if rates drop.
  • Homebuyers wanting lower monthly payments from the start.

By leveraging these exclusive loan programs, your clients gain access to unparalleled financing options that help them buy a home with lower costs and better terms. As an Elite Partner, you are equipped with powerful tools to close more deals, faster.

Terms
Benefits

1% towards closing costs and 1% introductory rate reduction for the first 12 months.

Allows buyers to transition smoothly into homeownership with reduced first-year payments.
  • First-time homebuyers long-term savings looking for lower payments upfront.
  • Buyers who need assistance with closing costs.
  • Homebuyers who expect income growth in the near future.

By leveraging these exclusive loan programs, your clients gain access to unparalleled financing options that help them buy a home with lower costs and better terms. As an Elite Partner, you are equipped with powerful tools to close more deals, faster.

Terms
Benefits

3.5% Forgivable Down Payment Assistance can be applied to both down payment and closing costs.

6% Seller Concessions (if available)

Temporary Buydown of Interest Rate that is 1% lower for the first 12 months to reduce monthly payments.
  • Buyers with limited cash for down payments.
  • Clients looking for a comprehensive financial solution.
  • Homebuyers who want to maximize assistance and minimize costs.

By leveraging these exclusive loan programs, your clients gain access to unparalleled financing options that help them buy a home with lower costs and better terms. As an Elite Partner, you are equipped with powerful tools to close more deals, faster.

Get in Touch with Our Team

Start Your Application Today

Let our team help you get started with your application process and in pre-approval of your mortgage form.

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Client Testimonials

I would like to express my gratitude to Jackie Santos for their incredible support and professionalism during my mortgage application process. From the very beginning, she showcased a deep understanding of the market and a great willingness to answer all my questions.
Lays A.
James was extremely informative, communicative, and on top of everything. Regardless of the steps of the process, he guided us in the most expert way, reflecting years of knowledge and experience.
Carl L.
I worked with John Pettit to secure 2 refinances on rental properties and the process couldn’t have gone better.
Mitchell C.
See All Our Client Reviews

About Us

We are committed to offering qualified borrowers the lowest mortgage rate and the best, most reliable customer service. Our mission is to serve our customers with honesty, integrity, and competence while providing them with home mortgage loans with the lowest interest rates and closing costs possible.

Company NMLS: 1749719
State Licensing: FL, TX, CA, NJ, VA

Equal Housing Opportunity

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Get In Contact

Brian Livingston

Managing Director

📧 brian.Livingston@uniteddirectlending.com
📞 (813) 625-9622

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