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Turn Your Biggest Monthly Bill Into Rewards: UWM and Bilt's Game-Changing Partnership
July 1, 2025
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Starting in early 2026, homeowners with United Wholesale Mortgage loans will be able to earn Bilt Points on every mortgage payment, transforming one of their largest monthly expenses into a rewards opportunity. This collaboration marks the first time mortgage customers can earn rewards directly on their mortgage payments, completing Bilt's vision of making every stage of the housing journey rewarding.
What the UWM and Bilt Partnership Means for Homeowners
Under this new partnership, UWM becomes the first mortgage platform in the country where customers can earn rewards on their mortgage payments. While the exact earning rate hasn't been announced yet, the partnership promises to deliver valuable benefits throughout homeownership.
Key Benefits Include:
- Earn Bilt Points on Every Payment: Homeowners with UWM mortgages will earn Bilt Points for every on-time mortgage payment. These points can be transferred to airline and hotel partners or redeemed for travel, fitness classes, and even student loan payments.
- Access to Neighborhood Benefits: Members gain access to exclusive offers from more than 40,000 local merchants nationwide through Bilt's Neighborhood Benefits program, making homeownership more rewarding beyond your home's four walls.
- Rewards During Origination: Bilt's 5+ million existing members can earn points on their monthly payments when working with UWM brokers, creating immediate value from the start of the mortgage journey.
- Enhanced Broker Experience: The partnership delivers unprecedented value to independent mortgage brokers through automated touchpoints like move-in gifts, milestone celebrations, and strategic refinance reminders, all tied back to the originating broker.
How Bilt Is Transforming the Full Housing Lifecycle
Bilt has built the nation's most comprehensive housing rewards platform, and this partnership represents the final piece of the puzzle:
- Student Housing & First Apartments: Through partnerships with property managers covering 1-in-4 apartment buildings nationwide, Bilt helps younger Americans start earning rewards and building credit history from their very first housing payment.
- Credit History Building: Bilt reports rent payments to all three major credit bureaus, helping renters build the credit history needed to qualify for mortgages.
- Home Discovery & Purchase: Bilt's homebuying platform enables members to discover homes based on all-in pricing that fits their monthly budget.
- Mortgage Servicing: Now, through the UWM partnership, Bilt extends the journey to reward customers throughout the life of their mortgage while keeping them connected to their neighborhood.
Maximizing Your Mortgage Rewards Strategy
If you're already a Bilt member with the Bilt Mastercard® (See Rates & Fees), you're positioned to maximize rewards across your entire housing journey. The Bilt Mastercard allows you to earn Bilt Points on rent payments (up to 100,000 points in a calendar year) without paying transaction fees.
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Now, you'll be able to extend those rewards to your mortgage payments once you purchase a home through UWM. To earn points on purchases with your Bilt Mastercard, use the card 5 times each statement period to earn points on all transactions.
How Bilt Points Compare to Other Rewards Programs
Bilt Points have been ranked as the highest-value rewards currency in the market, with flexible redemption options including:
- Airlines: Transfer 1:1 to partners like United MileagePlus®, Air Canada Aeroplan®, Alaska Airlines, Emirates Skywards®, and more
- Hotels: Transfer 1:1 to World of Hyatt®, Marriott Bonvoy™, Hilton Honors, and IHG® One Rewards
- Fitness: Redeem for boutique fitness classes
- Student Loans: Apply points toward eligible student loan payments
- Travel: Book flights and hotels directly through Bilt
What Happens If Your Loan Gets Sold?
One common concern among homeowners is what happens to rewards if their mortgage servicer changes. Many mortgage loans are sold to other servicers over the life of the loan.
While specific details about loan transfers haven't been announced yet, Bilt has indicated that its long-term goal is to expand beyond UWM to additional mortgage servicers across the country, suggesting this is just the beginning of Bilt Points in the mortgage space.
Timeline and Next Steps
The phased rollout of services between UWM and Bilt will begin in early 2026. Full product details will be announced in the coming months, including:
- Exact earning rates per dollar of mortgage payment
- Annual earning caps (if any)
- Implementation process for existing UWM customers
- Transition procedures
How to Get Started with Bilt
If you're not yet a Bilt member, now is an excellent time to join. You can:
- Sign up for free at Bilt.com to start earning points on rent payments and neighborhood spending
- Apply for the Bilt Mastercard to maximize your earning potential across all categories
- Connect with a UWM broker if you're in the market for a new mortgage or considering refinancing
The Competition: Mesa Points
It's worth noting that Bilt isn't the only player in the mortgage rewards space. Mesa Points also offers rewards on mortgage payments, with the key difference being that Mesa doesn't require you to use a specific mortgage servicer. Mesa offers 1 point per $1 spent on mortgage payments, up to 100,000 points per year.
The advantage of the UWM-Bilt partnership is the integrated experience across the entire housing lifecycle and access to Bilt's extensive transfer partner network. However, the requirement to have your mortgage with UWM may be a limitation for some homeowners who already have mortgages with other servicers or who secured better rates elsewhere.
Bottom Line
The UWM and Bilt partnership represents a significant shift in how Americans can approach mortgage payments, transforming what has traditionally been a purely transactional monthly obligation into an opportunity to earn valuable rewards. While we await specific details about earning rates and program mechanics, the partnership's foundation is strong, backed by industry leaders and significant capital investment.
For Bilt members who have been building credit as renters and earning rewards along their housing journey, this partnership completes the circle, allowing them to continue earning throughout homeownership. As the phased rollout approaches in early 2026, it will be interesting to see how this partnership reshapes the mortgage industry and whether other lenders follow suit. We’ll keep you posted with updates as more details emerge about this game-changing program that's putting relationship-building at the center of mortgage servicing.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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