Is the car pricing pre-negotiated?

Yes. We have negotiated Fleet-Level pricing at participating dealerships. Members work with a specific manager to see the pre-set price immediately without haggling.

Frequently Asked Questions

Q: What exactly is The UBSI Group?

The UBSI Group is a Buying and Finance Referral service. We use the collective mass purchasing power of our member groups to negotiate exclusive discounts and closing cost credit on major purchases like cars, homes, and appliances.

Q: How do I get the 1% Real Estate closing cost credit?

To qualify for the closing cost credit, you must be referred to one of our network Realtors before signing an agreement. The closing cost credit is typically applied as a credit on your Closing Disclosure at settlement, reducing the amount you need to bring to closing.

How the United Buying Service (UBSI) Member Benefit Program saves you time and money.

General Information

What exactly is The UBSI Group?

We are a United Buying Service a Member Referral service that helps members save money. We use the "Mass Purchasing Power" of our large member groups to negotiate exclusive discounts and Closing Cost Credit that are not available to the general public.

How does the referral process work?

It's simple: Select the service you need, fill out a brief request form, and we will email you the name and contact info of an authorized "Member Representative" in our network. This representative is trained to provide you with your exclusive UBSI pricing without the need for haggling.

Car Buying Service

Is the pricing really pre-negotiated?

Yes. We have negotiated "Fleet-Level" pricing at our participating dealerships. When you arrive with your UBSI referral, you work with a specific manager who shows you the pre-set member price immediately. Start your vehicle search here.

Real Estate & Mortgage

How do I get the 1% Real Estate closing cost credit?

To qualify for the closing cost credit (e.g., $4,000 back on a $400,000 purchase), you must be referred to one of our network Realtors *before* you sign an agreement. The closing cost credit is applied as a credit on your closing disclosure. View Real Estate details.

Can I use your Mortgage program if I have a challenged credit score?

Yes. Our Loan Officers represent meny lenders, including programs for self-employed individuals and those with less-than-perfect credit. Check Mortgage options.

Consumer Products & Appliances

Do appliances come with a warranty?

Absolutely. Every appliance purchased through our program is brand new and carries the full manufacturer's warranty. You are simply paying a lower "member-only" price through our distributor network. Browse categories.

Insurance

Can I bundle my home and auto insurance?

Yes, bundling is encouraged and usually results in even deeper discounts on top of your existing UBSI member rates. Compare Insurance rates.