Earn Bilt Rewards On Your Mortgage
Today, Bilt formally announced its partnership with UWM, which will allow Bilt Members to earn Bilt Points for on-time mortgage payments in early 2026. It is good to see that the wait will be over for some on being able to earn Bilt Rewards on your mortgage payments. Let's dig into the details of the news and see what members can expect when the partnership launches.
What We Know: Earning Points On Mortgages Will Finally Be Possible
After teasing the possibility for months (years?), Bilt has found its first mortgage partner for homeowners to earn Bilt Points each month. We learned about partnership possibilities earlier this year, when UWM invested $100 million as part of a $250 million funding round for Bilt.
After each on-time payment, Bilt Members will earn a still-undisclosed amount of Bilt Points. Members beginning the home-owning process will also be able to earn Bilt Points during origination. Bilt Members who currently rent and earn points with the program that way will see no changes from this announcement. This is a new way to earn Bilt Points, and not replacing any existing program.
At launch, it appears that only homeowners with mortgages owned by UWM will be able to earn Bilt Points. We'll see if the program expands in the future to other lenders.
What We Don't Know Yet
The program will launch in “early 2026,” according to the press release, so that could mean any time in Q1 or Q2. The most significant detail missing from the announcement for ToP readers is the number of points homeowners can expect to earn each month from the program, as well as the number of points earned at origination. Other banks, like Chase, have offered points programs for loan origination, so we have an idea of what to expect there. In the past, Chase Sapphire holders could earn 100,000 points by selecting Chase as their mortgage lender.
Bilt even offered the opportunity to earn points when purchasing a home in the past with eXp Realty. With that program, members could earn 1 Bilt Point for every $2 of the final purchase price of the home. Could we see something similar with loan origination? Will you earn 1 point per dollar of payment like with rent? Only time will tell there.
Earn Bilt Rewards On Your Mortgage: ToP Thoughts
It's exciting to see that we will have the ability to earn Bilt Points by paying your mortgage with this program. You'll have to originate your loan through UWM, or have a mortgage currently owned by them, to participate, at least to start. As a homeowner since Bilt Rewards launched, I'd love to have another way to engage with the program and earn points each month. I hope the program can expand further to other lenders in the future. For more discussion on the news on the Bilt program, be sure to join the ToP Facebook Group.
