Jordan Vreeland
Licensed Mortgage Broker · NMLS #795404
Not sure if UWM is the right fit for your file? We'll tell you exactly where you stand, no runaround.
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UWM is the largest wholesale lender in the country. You can't apply with them directly. We're an approved broker with access to their products and many others, and we close fast.
The Comparison
United Wholesale Mortgage is the largest wholesale mortgage lender in the US by volume. That's not a small distinction. But here's what most borrowers don't realize until they're already searching: UWM doesn't take loan applications from the public. They're a wholesale lender, which means they only work through approved mortgage brokers, not directly with homebuyers.
14 Days To Close is an approved broker. We have access to UWM's products when they're the right fit for your file. We also have access to other wholesale lenders and loan programs, which means if UWM's guidelines don't work for your situation today, we don't stop there. We find the path that does.
If you're here because you've been referred to a broker using UWM and things aren't moving, or because you want to understand what you're actually choosing between, you're in the right place. See how fast we move.
Most borrowers don't know they can't apply with UWM directly until they've already tried. They search the name, find the website, and realize it's a wholesale-only operation. At that point they're looking for an approved broker who uses UWM, or they're already working with one and aren't happy with the pace.
If your current broker's file is moving slowly and you're under contract with a deadline, switching lenders mid-process feels risky. It doesn't have to be. We've received calls three days before a scheduled closing and still delivered. That's not a boast. It's a documented track record.
We can't speak to what any specific broker or UWM's pipeline will or won't do for your file. What we can tell you is what we bring: multiple product options, a broker who personally reviews every file, and a closing process built for speed. If you need answers fast, call now or schedule a callback.
Side by Side
| Feature | 14 Days To Close | UWM (Wholesale Only) |
|---|---|---|
| Direct borrower access | ✓ Apply directly. Every file reviewed by Jordan. | UWM doesn't accept borrower applications directly |
| Loan program options | ✓ FHA, VA, USDA, Conventional, Jumbo, DSCR | Products available only through approved brokers |
| Can pivot if file is denied | ✓ Multiple lender options, same day | Depends on your broker's other relationships |
| Personal broker relationship | ✓ One broker, one point of contact, no handoffs | Experience depends entirely on which broker you're working with |
| Closing speed | ✓ As fast as 4–6 days in many cases | Varies by broker and UWM's underwriting pipeline |
| Florida market knowledge | ✓ Tampa HQ, licensed to lend nationwide | National wholesale lender, no direct local presence |
UWM's technology is genuinely impressive. They've built some of the fastest underwriting systems in the wholesale space, and for a clean, straightforward W-2 file, their pipeline works. The gap shows up on complex files: self-employed borrowers, investors using DSCR, foreign nationals, non-QM situations, or anyone whose income doesn't fit a standard template.
When a system says no on a file like that, there's often no one to call who can actually change the outcome. As a broker with access to multiple lenders and loan programs, we can pivot your file the same day. That's not possible if you're working with a broker whose entire operation runs through a single wholesale source.
Speed matters just as much as product flexibility. The longer a stalled file sits, the more you risk losing the deal. If you've hit a wall with your current lender, don't wait to find out if they can fix it. See what our closing track record actually looks like, then decide.
14 Days To Close is a mortgage broker, powered by PRMG. We're not tied to one lender's products or one underwriting system. We handle FHA, VA, USDA, Conventional, Jumbo, and DSCR loans in-house, and we route each file to the lender whose guidelines and pricing fit that specific borrower's situation.
UWM is one of the lenders we can access. So is everyone else. If UWM's guidelines don't fit your file today, we don't tell you no and send you somewhere else. We find the path that does. That's the difference between a broker with real options and a shop that runs every file through a single pipeline regardless of fit.
That flexibility is also what makes us fast. We're not waiting for one system to approve a file that doesn't fit its criteria. We find the right product from the start, which means fewer restarts, fewer surprises, and a shorter path to the closing table. You can read more about how we approach every deal.
Watch
Before you commit to any broker or lender, here's exactly what to ask.
Jordan Vreeland, Licensed Mortgage Broker, NMLS #795404
We've closed deals in as little as 4–6 days from first inquiry to clear to close. That's not the average and it's not a guarantee. Timelines depend on how quickly all parties submit documentation, how fast the appraisal comes back, and whether title is clean. But it's a documented track record, and it's the reason borrowers call us when another lender is out of time.
If you're working with a UWM-powered broker right now and things are moving too slowly, the question isn't whether switching is possible. It's whether there's enough time to make it worth it. In many cases there is. See how fast we move, then make that call.
When you're ready, call now or schedule a callback and we'll tell you exactly where you stand.
No runaround. We'll run the numbers, tell you which program fits your file, and let you know how fast we can get to the closing table.