LoanUnited Wholesale Mortgage Rates, Through an Independent Broker
Wholesale investor across conventional and specialty programs.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with LoanUnited and submits files directly into its wholesale channel. This page explains what LoanUnited is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of LoanUnited. This page reflects a genuine wholesale relationship Duane originates through directly.
What LoanUnited Is Known For
- Covers conventional and specialty wholesale programs
- Established broker-channel investor relationship
- Menu built for a range of borrower profiles
Program Fit & Flexibility
LoanUnited's wholesale guidelines generally show a minimum credit score of Varies by program — public guideline data limited, with down payment requirements of Varies by program — public guideline data limited. Loan amounts and program range: Conventional and specialty wholesale programs. Documentation type: Standard full doc. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against LoanUnited's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
LoanUnited vs. a Typical Wholesale Alternative
| Feature | LoanUnited | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Covers conventional and specialty wholesale programs | Varies by lender — compare at time of application |
| Credit score flexibility | Varies by program — public guideline data limited | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | Varies by program — public guideline data limited | Commonly 3–5% conventional, varies by program |
| Loan amount range | Conventional and specialty wholesale programs | Varies by lender and program |
| Documentation type | Standard full doc | Varies by lender and program |
Getting a Real LoanUnited Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from LoanUnited's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A borrower with a 700 credit score and 20% down on a $400,000 purchase priced through LoanUnited's wholesale conventional rate sheet. On a $320,000 loan at an illustrative 6.75% wholesale rate, principal and interest runs approximately $2,075/month — before taxes, insurance, or HOA.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on LoanUnited's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — LoanUnited
Does LoanUnited lend directly to consumers?
No. LoanUnited funds loans exclusively through independent wholesale brokers. To access LoanUnited's wholesale pricing, you work with a broker like Duane Buziak, who submits your file directly to LoanUnited's wholesale channel.
Is a broker-submitted LoanUnited loan more expensive than going direct?
No — LoanUnited's wholesale pricing is not available direct-to-consumer, so there is no direct channel to compare against. Duane's access is the way to reach this pricing.
What loan programs does LoanUnited offer?
LoanUnited offers conventional and specialty wholesale mortgage programs designed to fit various borrower profiles.
What is the minimum credit score requirement for LoanUnited programs?
Minimum credit score requirements vary by specific program. Duane verifies live credit guidelines directly against LoanUnited's active wholesale rate sheet.
What down payment options are available through LoanUnited?
Down payment criteria vary by loan program structure. Specific minimums are confirmed when your loan file is priced.
Does LoanUnited require full documentation?
Yes, standard full-documentation programs require income verification such as paystubs, W-2s, and tax returns.
How does Duane's NoTouch Credit Pull work with LoanUnited?
Duane performs a soft credit pull to check live wholesale rate sheet numbers without placing a hard inquiry on your credit report.
Can I apply for a home purchase or refinance with LoanUnited?
Yes, wholesale conventional and specialty options are available for both home purchase and refinancing needs.
Are specialty wholesale loan products supported?
Yes, LoanUnited maintains specialty loan products alongside standard conventional options to accommodate diverse financing needs.
How do LoanUnited's rates compare to other wholesale lenders?
Rates vary by market conditions and file specifics. Duane compares LoanUnited head-to-head against all 30 wholesale lenders in his network.
Why work with an independent broker to access LoanUnited?
An independent broker gives you direct access to LoanUnited's wholesale channel while offering objective guidance across multiple wholesale options.
Is my rate locked when I request a quote?
Quotes and worked examples are illustrative until a formal rate lock is submitted based on live rate sheet pricing at the time of application.
How do I compare an existing loan quote against LoanUnited?
Bring your existing Loan Estimate to Duane's "Dare to Compare" tool for a line-by-line comparison against LoanUnited's wholesale pricing.
Compare LoanUnited Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against LoanUnited and every other lender in the directory.
Bring My Quote — Dare to Compare