Your Mortgage Just Got
Built-In Rewards
When you close your home loan with Guarantee Mortgage, you automatically earn Bilt Points on every on-time digital mortgage payment — redeemable for travel, dining, fitness, and even your next down payment.
The First Mortgage That Rewards You Every Month
Bilt is the loyalty program that has already rewarded over 5 million renters — and now it's available to homeowners through your mortgage with Guarantee Mortgage and UWM.
Every time you make an on-time digital payment through Bilt, you earn points. Points you can spend on real life — dinners, flights, gym memberships, or even your own mortgage principal. There are no fees to participate and no catch.
This is the mortgage experience Texas homebuyers deserve: competitive loan options, local expertise, and a rewards program that keeps giving long after closing day. See today's rates and find out what you qualify for.
Start Your Application
Bilt Points — Built Into Your Mortgage
Earn with every on-time payment. Redeem for travel, dining, fitness, and more. Exclusively available through independent mortgage brokers like Guarantee Mortgage.
Why Texans Choose a Mortgage With Built-In Rewards
Guarantee Mortgage gives you access to competitive loan products and a first-of-its-kind rewards program — all from a local team that knows the Texas market.
Earn Points on Every Payment
Every on-time digital mortgage payment through Bilt earns you points — automatically, with no extra steps required.
Pay Down Your Mortgage Faster
Redeem your Bilt Points toward principal-only mortgage payments or as a down payment on your next Texas home. Use our mortgage calculator to see how extra payments impact your loan.
Redeem for Real Life
Use your points for local dining, groceries, travel, rideshares, fitness memberships, hotels, and much more — wherever life takes you.
Benefits That Never Stop
Unlike closing-day perks, Bilt rewards continue for the life of your loan — every month, as long as UWM services it.
No Fees to Join
There is no cost to enroll in Bilt. ACH payments through your bank account have zero transaction fees. Get pre-qualified today and start earning from your very first payment.
Your Local Broker Stays Front & Center
Your Guarantee Mortgage loan officer's name, photo, and contact info appear in every Bilt communication — keeping you connected after closing.
How Built-In Rewards Work
From application to earning points — here's the simple process.
Apply for Your Mortgage with Guarantee Mortgage
Start your home loan application with us. We'll shop multiple lenders, including UWM — the #1 wholesale lender in the nation — to find the best rate and program for your situation. Not sure where to start? Get a second look on your current loan scenario.
Close Your Loan and Register with Bilt
After closing, you'll receive instructions to register at bilt.com/uwm or download the Bilt app. Registration is free, fast, and gives you full digital access to your loan documents and payment history.
Make On-Time Digital Payments Through Bilt
Set up recurring ACH payments (no transaction fee) or pay with your Bilt Mastercard. Every qualifying on-time digital payment earns you Bilt Points automatically.
Redeem Your Points — Your Way
Points accumulate in your Bilt dashboard and can be redeemed for travel, dining, fitness, a principal-only payment, or saved toward your next home's down payment. Ready to move up? Explore our full loan options.
What Can You Redeem Points For?
Your Bilt Points work like a currency for real life. Here are just some of the ways Texas homeowners are putting their mortgage payments to work.
Travel
Flights, hotels, and vacation packages through Bilt's travel portal
Dining & Groceries
Local restaurants, grocery stores, and pharmacies in your neighborhood
Mortgage Payments
Apply points toward a principal-only payment or your next down payment
Fitness & Lifestyle
Gym memberships, Lyft rides, fitness studios, and everyday spending
Built-In Rewards for Every Borrower
First-Time Homebuyers in Texas
- ✓ Start building home equity and rewards from day one
- ✓ Earn points on your biggest monthly expense — automatically
- ✓ Redeem for everyday savings while settling into your new home
- ✓ Access FHA, VA, and low down payment loan options with local guidance
- ✓ Your loan officer stays visible in every Bilt communication after closing
A Smarter Start to Homeownership
Buying your first home is a major milestone. Explore our First-Time Homebuyer program and see how Guarantee Mortgage and Bilt give you an advantage that banks simply cannot offer.
Move-Up & Repeat Buyers
- ✓ Redeem accumulated Bilt Points toward your next down payment
- ✓ Leverage your existing Bilt membership if you're already a renter
- ✓ Earn ongoing rewards on your larger loan balance every month
- ✓ Access Jumbo, investment property, and refinance options
- ✓ Stay connected to your broker long after closing
Your Biggest Investment, Now Earning
Move-up buyers often have higher loan balances — which means more points earned per payment. Considering a cash-out refinance? You'll earn rewards on that loan too.
Real Estate Agents & Referral Partners
- ✓ Give your buyers a differentiated mortgage experience they'll remember
- ✓ Bilt rewards become a built-in talking point that sets your offer apart
- ✓ Your clients' broker stays top-of-mind through Bilt every month
- ✓ Faster closings through UWM's streamlined process
- ✓ Partner with Guarantee Mortgage — local Texas expertise, national lender access
A Competitive Edge for Your Clients
When buyers ask why they should use your preferred lender, "they offer a mortgage with built-in rewards" is a compelling, genuine answer. Refer your clients to Guarantee Mortgage and give them something no bank can match.
Frequently Asked Questions
Everything you need to know about Bilt rewards and your mortgage with Guarantee Mortgage.
The UWM + Bilt partnership is a first-of-its-kind mortgage rewards program that lets homeowners earn Bilt Points for every on-time digital mortgage payment. Points can be redeemed for travel, dining, fitness, groceries, rideshares, or applied toward a principal-only mortgage payment or future down payment. Learn more about Guarantee Mortgage and how we connect you to this program.
There is no fee to register with Bilt or to use the platform. ACH payments made directly from your bank account carry no additional transaction fee. Payments made with a Bilt Mastercard also carry no fee. Other payment methods may incur small processing fees.
Only on-time digital payments made through bilt.com/uwm or the Bilt app qualify for points. Payments made by mailed check, phone, bank bill pay, or late payments do not earn points.
Yes. Bilt is the servicing platform for UWM-closed loans, meaning registration is required to digitally access your loan information and mortgage documents — even if you don't plan to earn rewards. Registration is free and takes only a few minutes at bilt.com/uwm. Questions? Contact our team.
Yes, if your loan has been transitioned to the Bilt servicing platform, you will receive a notification with instructions to register. Once registered and payments are set up digitally through Bilt, you begin earning points immediately.
Bilt rewards are available on loans closed through UWM and serviced on the Bilt platform. Guarantee Mortgage offers FHA, VA, Conventional, DSCR, Bank Statement, and Construction loans. Contact a loan officer to confirm eligibility for your scenario.
