Wholesale Technology

At Union Home, we use Encompass by Ellie Mae as our Loan Origination System.  We have a link listed below that provides access to our system.  We work in a paperless environment, this link allows you access so you can input a loan, upload loan documents, lock loans, and all other loan level processes needed to get your loans from application to closing.

Every LOS has nuances, we are preparing some video training for this site in the weeks ahead to help simplify the use of our system for our broker partners.  We want to work closely with our broker partners to ensure we never experience loan level frustrations that are simply system issues.  We encourage our broker partners to be vocal with our Account Executives regarding enhancements we can make with our systems to simplify the process for the benefit of all of us.

Documents listed below for your convenience

UHM TRID Training Materials
Disclosing Correct Comp on LE
UHM TRID Fee Matrix
UHM Sample E-Consent Form
UHM Broker Presentation
TRID (TILA-RESPA Integrated Disclosures) Basics Presentation 
UHM Online Broker Manual (Updated with TRID Material)
UHM Wholesale Brokers Guide(Updated with TRID Material)
Understanding the Closing Disclosure (CD) including a Sample
Understanding the Loan Estimate (LE) Including a Sample

Training/Setup/Submission
​Conv Submission Checklist
FHA Submission Checklist
USDA Submission Checklist
VA Submission Checklist
Assigning LP Loans to UHM
Closing Request Form
FHA Case Number Request
FNMA DO Sponsorship
Requesting New User Logins 
Training on Using the UHM Portal
UHM TPO Contact List
VA Sponsorship Request Form


Required Disclosures 
Affiliated Business Disclosure
Anti-Steering Disclosure
Broker Fee Agreement
DU Refi Plus Disclosure
Fair Lending Disclosure 
Hazard Insurance Authorization & Requirements Disclosure
Homeownership Counseling Disclosure
Homepath Fannie Mae Form
Intent to Proceed
LQI Disclosure
Mortgage Fraud Disclosure
​New 4506T Form
New RD Form 3555-21
Property Inspection Waiver Disclosure
RD Income Disclosure
RefiNet Tangible 
Settlement Cost Booklet Receipt
SSI Verification Form
Tangible Net Benefit Worksheet (Streamline/IRRRL only)
​Your Home Loan Toolkit Receipt

Other Helpful Items 
Broker Compensation Selection Form
How to Pull LDP/GSA
HUD Handbook 4000.1 FAQs
Reconsideration of Appraisal Process 
RD Guarantee Upfront & Annual Fee Calculator
UHM Condo Questionaire
UHM Verbal VOE Form
USDA 3555 Handbook
VA IRRRL Max Mortgage Worksheet
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