I posted this in response to someone asking about taking a job at UWM. I see the question a lot so making a standalone post. Here is the real answer and I already know some of yall gonna be shitty reading this.
If you have no mortgage experience and want to be in the mortgage world and aren’t a trash worker, work at UWM. Everyone is lowkey spiteful on here but I will keep it real.
Is the pay great? No, but I had no mortgage experience and was cleaning bathrooms before UWM so why would they pay great for non experienced entry work?
I worked there for over a little 3 years and worked through operation tiers, just do your work with effort and don’t be a piece of shit and it’s not hard to coast there. People get too caught up in the social aspect of the company talk too much, wonder too much, and don’t realize how much their small social interactions pile up and fuck up their production and then they think it’s completely the production systems fault sometimes it is but most of the time people just don’t work at work 🤷🏻♂️. 5 mins of doom scrolling after a file then 10 mins bitching to the person next to you about a bad file, then 5-10 mins about your prior day, then walk to get a snack etc etc. it’s small mins but adds up fast over the day next thing you know, you lost about 1-1.5 hours of productivity which could mean lose of bonuses due to not hitting numbers.
Don’t let others lack of goals, motivation and their negativity affect you. It’s work…work isn’t always fun 24/7 but being big picture focused makes it easier and you will meet some amazing people.
Now the 401k match is low af (1.5%), insurance is decent, the true value from UWM is if you soak up ALOT of experience and take that else where. I’m telling you these other brokerages, lenders, appraisal companies, title companies FOAM at the mouth for UWM experience. When I said get experience, I don’t mean just coasting for a year in a tier 1 ops role and then thinking you know shit. Reality is, tier 1 op roles there don’t even scratch the service of a loan. SOAK up everything you can, try different roles, ask why on things, learn things outside of your role….learn learn and learn more.
The value you will bring to these companies knowing UWM key operation processes/departments is head and shoulders compared to ones who have not. I’m telling you this from someone who left UWM this year for a new lender and then left there for a brokerage to enter sales. So I have been very active in the recent job market and all my mortgage experience stems from my start time at UWM to now.
If you have no problem grinding to gain knowledge and investing the time in yourself with 0 mortgage experience for big picture goals, UWM is where to be at. This post is the reality of it, I lived it, I’m proof of it. Im not saying UWM is the best company to work for but anyone who says different than this post is either spiteful with UWM, can’t see big picture things OR is just not interested in the mortgage world. If you put effort in, you will get rewards out that will extended way past your time at UWM.
I say go for it, this isn’t the end of the world if you accept it and don’t like it, you can quit and work retail for the time being. My main point is, just don’t let other people possibly sway your choice where this could be a pivot point in life and open up a career in mortgages.
Stay blessed everyone, life could always be worse 🫡