Brian Livingston
10 min read
Jul 5, 2025
The Elite Partner Program: A 2% Advantage You Can Use Your Way
Buying a home feels harder than it used to. Even qualified buyers find themselves stuck between high monthly payments and massive cash requirements at closing. While everyone talks about interest rates, the real problem often comes down to having enough money upfront or managing that monthly payment long-term.
There's a straightforward solution that gives you real financial flexibility. The Elite Partner Program from United Direct Lending puts actual dollars in your corner, and you get to decide exactly how to use them.
Why I Created the Elite Partner Program
Too many solid buyers were getting pushed to the sidelines. They had good credit, steady income, and were ready to buy. But they kept hitting the same wall: either the cash needed at closing or monthly payments that stretched their budget too thin.
I wanted to create something that gave customers a genuine advantage. The goal was simple: put real money toward what matters most to each buyer. Some need help with upfront costs. Others want a lower payment they can live with for years. The Elite Partner Program delivers both options.
This isn't about complicated formulas or fine print that sounds good but doesn't help. It's about giving every buyer the same kind of edge that cash buyers have - real dollars that make the difference between getting the home you want and walking away frustrated.
What the Program Is
The Elite Partner Program gives you a 2% lender credit based on your total loan amount. That's not 2% of your down payment - it's 2% of the entire mortgage loan.
Here's how it works. You pick one of two paths:
Path 1: Use the credit toward closing costs to reduce your cash needed at closing.
Path 2: Apply the credit as a permanent rate buydown to lower your monthly payment and total interest over the life of the loan.
A real example makes this clear. If you're getting a $600,000 mortgage, your Elite Partner Program credit equals $12,000. You can put that entire amount toward closing costs, or you can use it to permanently buy down your interest rate. The choice is completely yours.
You don't need to join anything or pay membership fees. Just apply with an Elite Partner Loan Officer through UDL Mortgage and ask for the Elite Partner Program when you start your application.
The Elite Partner Program: A 2% Advantage You Can Use Your Way
Buying a home feels harder than it used to. Even qualified buyers find themselves stuck between high monthly payments and massive cash requirements at closing. While everyone talks about interest rates, the real problem often comes down to having enough money upfront or managing that monthly payment long-term.
There's a straightforward solution that gives you real financial flexibility. The Elite Partner Program from United Direct Lending puts actual dollars in your corner, and you get to decide exactly how to use them.
Why I Created the Elite Partner Program
Too many solid buyers were getting pushed to the sidelines. They had good credit, steady income, and were ready to buy. But they kept hitting the same wall: either the cash needed at closing or monthly payments that stretched their budget too thin.
I wanted to create something that gave customers a genuine advantage. The goal was simple: put real money toward what matters most to each buyer. Some need help with upfront costs. Others want a lower payment they can live with for years. The Elite Partner Program delivers both options.
This isn't about complicated formulas or fine print that sounds good but doesn't help. It's about giving every buyer the same kind of edge that cash buyers have - real dollars that make the difference between getting the home you want and walking away frustrated.
What the Program Is
The Elite Partner Program gives you a 2% lender credit based on your total loan amount. That's not 2% of your down payment - it's 2% of the entire mortgage loan.
Here's how it works. You pick one of two paths:
Path 1: Use the credit toward closing costs to reduce your cash needed at closing.
Path 2: Apply the credit as a permanent rate buydown to lower your monthly payment and total interest over the life of the loan.
A real example makes this clear. If you're getting a $600,000 mortgage, your Elite Partner Program credit equals $12,000. You can put that entire amount toward closing costs, or you can use it to permanently buy down your interest rate. The choice is completely yours.
You don't need to join anything or pay membership fees. Just apply with an Elite Partner Loan Officer through UDL Mortgage and ask for the Elite Partner Program when you start your application.
The Elite Partner Program: A 2% Advantage You Can Use Your Way
Buying a home feels harder than it used to. Even qualified buyers find themselves stuck between high monthly payments and massive cash requirements at closing. While everyone talks about interest rates, the real problem often comes down to having enough money upfront or managing that monthly payment long-term.
There's a straightforward solution that gives you real financial flexibility. The Elite Partner Program from United Direct Lending puts actual dollars in your corner, and you get to decide exactly how to use them.
Why I Created the Elite Partner Program
Too many solid buyers were getting pushed to the sidelines. They had good credit, steady income, and were ready to buy. But they kept hitting the same wall: either the cash needed at closing or monthly payments that stretched their budget too thin.
I wanted to create something that gave customers a genuine advantage. The goal was simple: put real money toward what matters most to each buyer. Some need help with upfront costs. Others want a lower payment they can live with for years. The Elite Partner Program delivers both options.
This isn't about complicated formulas or fine print that sounds good but doesn't help. It's about giving every buyer the same kind of edge that cash buyers have - real dollars that make the difference between getting the home you want and walking away frustrated.
What the Program Is
The Elite Partner Program gives you a 2% lender credit based on your total loan amount. That's not 2% of your down payment - it's 2% of the entire mortgage loan.
Here's how it works. You pick one of two paths:
Path 1: Use the credit toward closing costs to reduce your cash needed at closing.
Path 2: Apply the credit as a permanent rate buydown to lower your monthly payment and total interest over the life of the loan.
A real example makes this clear. If you're getting a $600,000 mortgage, your Elite Partner Program credit equals $12,000. You can put that entire amount toward closing costs, or you can use it to permanently buy down your interest rate. The choice is completely yours.
You don't need to join anything or pay membership fees. Just apply with an Elite Partner Loan Officer through UDL Mortgage and ask for the Elite Partner Program when you start your application.