UWM Launches Refi ’86 Pricing Incentive and Expands Mia AI Assistant for Mortgage Brokers

UWM Introduces Refi ’86 to Mark Its 40th Anniversary

United Wholesale Mortgage is celebrating four decades in business with Refi ’86, a refinance-focused pricing incentive named after 1986, the year the company was founded.

The program offers an 86 bps pricing incentive on qualifying refinance loans and is available through June 30, 2026. According to UWM, the incentive is designed to help independent mortgage brokers sharpen their pricing, compete for refinance opportunities, and generate more loan volume. (uwm.com)

Refi ’86 Eligibility

(uwm.com)

Why Refi ’86 Matters for Brokers

Refinance activity has become increasingly competitive, particularly when borrowers are weighing whether current market conditions justify restructuring their mortgage. A pricing incentive of this size gives brokers an additional lever to improve borrower conversations and potentially create more attractive refinance scenarios.

For brokers, the offer may help with:

• Re-engaging past clients

• Competing more aggressively on refinance pricing

• Creating urgency before the June 30 expiration

• Pairing pricing outreach with UWM’s newly expanded AI follow-up tools

UWM’s rollout suggests a coordinated strategy: lower the cost barrier on refinance opportunities while expanding technology that helps brokers identify and nurture those opportunities. (uwm.com)

UWM Expands Mia With New On-Demand Broker Outreach Tools

Alongside Refi ’86, UWM announced new enhancements to Mia, its AI-powered voice assistant for mortgage brokers.

Mia was first introduced at UWM LIVE! in 2025 and has now been expanded with Mia On Demand, giving brokers more control over whom the assistant contacts and what type of outreach it performs. (uwm.com)

New Mia On Demand Call Options

(uwm.com)

These tools are aimed at some of the most valuable areas of a broker’s business: referral relationships, pipeline conversion, and database recapture.

Mia Español Expands Support for Spanish-Speaking Clients

UWM also introduced Mia Español, enabling the AI assistant to communicate with borrowers in Spanish.

According to UWM, Mia Español can:

• Take calls

• Schedule appointments

• Answer questions

• Assist Spanish-speaking borrowers throughout key communication stages

This enhancement gives brokers another way to serve a broader client base while reducing communication bottlenecks. (uwm.com)

What These Announcements Signal About UWM’s Strategy

The combination of Refi ’86 and enhanced Mia capabilities points to a broader competitive play from UWM.

Rather than relying on pricing alone, UWM is pairing:

• Transactional incentives that can improve refinance positioning

• AI-driven outreach tools that may help brokers generate and convert opportunities

• Multilingual support designed to improve client accessibility and responsiveness

In practical terms, UWM is leaning into a model where brokers receive not only pricing support but also operational tools that can help them act faster, follow up more consistently, and stay visible with borrowers and referral partners. (uwm.com)

Key Takeaways for Mortgage Brokers

Mortgage brokers reviewing UWM’s latest announcements should focus on three immediate considerations:

1. Refi ’86 is time-sensitive. The incentive is scheduled to run through June 30, 2026.

2. Eligibility matters. Loans must meet UWM’s refinance, FICO, and product requirements.

3. Mia’s new outreach functions could complement refinance campaigns. Brokers using database marketing, prequalification follow-up, or agent relationship-building may see strategic value in the new tools.

(uwm.com)

Frequently Asked Questions

What is UWM’s Refi ’86 program?

Refi ’86 is a limited-time 86-basis-point pricing incentive for eligible refinance loans offered by United Wholesale Mortgage. (uwm.com)

How long is Refi ’86 available?

UWM says the offer is available through June 30, 2026. (uwm.com)

Which loans qualify for Refi ’86?

The program applies to conventional and government refinance loans with a 680+ FICO that use PA+, TRAC+, or TRAC Lite. (uwm.com)

What is Mia On Demand?

Mia On Demand is an expanded version of UWM’s AI-powered broker assistant that allows brokers to initiate targeted outreach campaigns for borrowers and real estate agents. (uwm.com)

What new call types are available through Mia?

The announced call options include:

• Listing Agent Relationship Builder

• Pre-Qualification Follow-Up

• Mortgage Review

(uwm.com)

What is Mia Español?

Mia Español is a Spanish-language capability that allows UWM’s AI assistant to communicate with Spanish-speaking borrowers by answering questions, taking calls, and scheduling appointments. (uwm.com)

Bottom Line

UWM’s May 2026 announcements are notable because they combine near-term pricing support with longer-term broker productivity tools.

Refi ’86 gives brokers a fresh opportunity to compete for refinance business during a defined promotional window. At the same time, the Mia upgrades reflect a growing industry focus on AI-assisted borrower engagement, retention, and multilingual communication.

For brokers looking to improve responsiveness while pursuing more refinance opportunities, UWM’s newest offerings may become meaningful tools in the weeks ahead. (uwm.com)

Follow Mortgage.News for ongoing coverage of mortgage pricing incentives, wholesale lending strategy, and AI-driven innovation across the housing finance industry. Borrowers considering a refinance should also speak with a qualified mortgage professional to review whether current options fit their financial goals.