ChatUWM vs Mortgage Agent

ChatUWM By United Wholesale Mortgage, LLC Created exclusively to help independent mortgage brokers manage their business on the go. Get quick access to ChatUWM, UWM’s AI-powered tool featured front and center in the ChatUWM mobile app. From one convenient app, brokers can ask questions, manage their pipeline, price loans, take lock actions, estimate home values, view their EASE Dashboard, stay on top of daily tasks and much more.

Mortgage Agent – Mortgage Calculator & Estimator Smarter Estimates. Confident Decisions. Mortgage Agent is a fast, all-in-one mortgage planning tool for home buyers, borrowers, loan officers, and real estate professionals. Enter a purchase price, down payment, rate, and term, and watch your monthly payment, loan amount, LTV, and qualifying ratios update in real time. FREE FEATURES • Payment Estimator – Principal & interest, or the full payment with property tax, homeowners insurance, HOA, and PMI. • Flexible Inputs – Enter the down payment as a dollar amount, a percent, or LTV. Choose a rate from the wheel in 1/8-point steps or type any rate. Enter property tax as a percent or a dollar amount. • Debt & Income Analysis – See front-end and back-end debt-to-income ratios for the loan you're working on. • Income Required to Qualify – See the monthly income needed at each DTI level, color-coded from highly likely to unlikely, with a marker showing where your loan stands. • Amortization Schedule – Month-by-month principal, interest, and remaining balance. • Email Summary – Send the loan details as text in one tap. UNLOCK ALL FEATURES (one-time purchase, no subscription) • Share a PDF – Loan summary, disclaimer, and full amortization schedule, or share a text-only summary. • Input History – Save and recall up to 50 loan scenarios, and text one or several to clients at once. • FHA MIP Calculator – Compare financing the upfront premium vs. paying it in cash, with annual MIP tables. • Temporary Buydown Calculator – 1-0, 1-1, 2-1, and 3-2-1 payments and the seller concession required. • Escrow Closing Calculator – Closing date plus loan, insurance, and inspection contingency removal dates. Save escrows by number. • Cap Rate Calculator – Annual or monthly income and expenses with occupancy, and saved results. • Basic Calculator and Simple Calendar. Mortgage Agent provides estimates for informational purposes only. It is not a loan offer, approval, or commitment. Actual terms depend on your lender, credit, and final underwriting.