January Mortgage Market
Between January 12–16, mortgage rates touched multi-year lows, but have since rebounded to levels seen at the beginning of the month. This week, the largest tech companies are set to report quarterly earnings, and on Wednesday, the Federal Reserve will hold its first meeting of the year. With multiple key events unfolding, the market is closely watching for further positive signals.
Despite short-term rate fluctuations, the consensus is that home prices in many regions are approaching—or have reached—a cyclical low. With ample inventory and stronger buyer negotiating power, now presents a clear opportunity for entering the market.
UWM launched a 40-basis-point promotion on January 7, available for both purchase and refinance transactions, running through the end of February. Please note, this promotion does not apply to non QM loan.
2026 Bilingual Product Catalog
In 2025, our product catalog was available in English only. This year, we are excited to launch the Chinese version alongside the English catalog, featuring several new loan products.
Moving forward, we will continue to refine and expand our product offerings to provide more comprehensive, clear, and tailored financing solutions.
For detailed information, please click the link.
DSCR Loans
Recently, DSCR investment property loan rates have continued to decline, narrowing the gap with traditional income-verified investment loans. This provides real estate investors with more flexible and practical financing options.
DSCR loans evaluate only the property’s cash flow, without reviewing personal income. In the current rate environment, they are especially attractive to investors with complex income structures or those seeking a simplified approval process. Our company now offers investment property financing in 38 states across the U.S., covering single-family homes, multi-unit properties, and various other investment property types.
The image below shows the 38 states where we currently offer DSCR loans. Feel free to contact us for more details.
Debt Paid by Someone Else Might Not Affect Your Mortgage
When applying for a mortgage, you may have debts on your credit report that have actually been paid by your parents, spouse, or other family members. The good news is that, under certain conditions, these debts might not count against you, making it easier to qualify and potentially borrow more.
Typically, you need to show that:
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The debt has been paid on time for at least 12 consecutive months
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The same third party has been making the payments
However, be aware that requirements vary by loan type. Some loans may also require that the person paying the debt is legally responsible for it.
Click on the link to view today's home purchase/refinance rates: