Bilt partners with mortgage firm to give ‘points’ for paying off house loan
Bilt, a company that offers rewards for paying rent in select neighborhoods, is partnering with mortgage lender United Wholesale Mortgage (UWM) to provide perks typically reserved for credit cards, specifically for mortgage payments. They say this partnership will make the process of getting and managing a mortgage better and more modern — not just when you buy a home but throughout your time owning it.
Bilt offers a loyalty rewards program that allows users to earn points, including on rent. Homeowners with a mortgage through UWM will soon be able to participate in a rewards program that allows them to earn Bilt Points when they pay their mortgage on time, along with other perks.
How Bilt works
Since its founding, Bilt says it has helped renters turn rent payments into a way to earn points and cash them in for rewards. These points can usually be redeemed for airline miles, hotels, dining, fitness memberships or other rewards.
The company also helps tenants build their credit by reporting rent payments to credit bureaus. Normally, rent payments aren’t counted toward credit history, and a better credit score can help renters qualify more easily for future home loans.
Bilt says the goal is to help people build credit history, find and buy homes, and earn rewards throughout their renting and homeownership experience. Bilt’s founder and CEO, Ankur Jain, said the big picture is to make the “American dream” of homeownership more accessible and rewarding.
“This partnership represents the convergence of two companies that share a fundamental belief: that we should be making major financial decisions more rewarding,” Jain said. “This is just the beginning of Bilt’s expansion into mortgage, and UWM is the perfect partner to launch this vision.”
More details coming in 2026
The goal of the newly announced partnership is to combine UWM’s mortgage expertise with Bilt’s reward system, making it easier for individuals looking to rent or own a home. Mat Ishbia, President and CEO of UWM, referred to the relationship with Bilt as a “game-changer.”
“By integrating Bilt into our servicing platform, we are reimagining how a borrower views and thinks about their mortgage payments, while also creating an unmatched lead generation tool and exceptional client engagement for brokers,” Ishbia said in a statement.
UWM and Bilt are planning to launch new services together in 2026. According to a press release, the rollout of these services will happen in phases, and the specifics will be shared in the coming months.
Where the housing market stands right now
Rent prices fell again in September, marking a continued two-year trend of easing prices and improving affordability as the market cools for fall, according to Realtor.com.
Freddie Mac reports that over the last few weeks, mortgage rates have also settled in at their lowest level in about a year. As of Oct. 9, 2025, the average interest rate for a 30-year fixed-rate mortgage is approximately 6.3%, while the 15-year fixed-rate mortgage is approximately 5.53%. According to Freddie Mac, homebuyers are becoming more likely to take advantage of these lower rates and move forward with buying a home, which is boosting purchase activity.
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Ella Rae Greene, Editor In Chief
