Mortgage Qualifying Basics

When you are looking to build, buy, remodel, or refinance a home, let United Community Bank Mortgage Services walk you through the entire process starting with the basics.

Purchasing a home can be an overwhelming thought and is one of the biggest financial decisions you may make. Let us assist you every step of the way.

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  • Credit History
  • Income
  • Current Debts
  • Down Payment


  • Most recent full month’s paystubs
  • Most recent 2 full month’s complete bank statements from each account (must source all large deposits)
  • Most recent 2 years W2s/1099s/K1s
  • Most recent 2 years tax returns (personal/business)
  • 2 year address history
  • 2 year employment history (Company name, address, phone number or college transcripts to complete)
  • Any legal documentation such as bankruptcy papers or divorce decrees must be provided in the entirety
  • All mortgage, insurance, property tax, and HOA statements for any other properties owned



  • An offer is presented based on basic information stated by the buyer
  • A mortgage specialist reviews your financial information and calculates what value of home you might be able to purchase


  • A credit report is pulled2; employment, income, and assets are reviewed; and information is run through a decision engine
  • A loan officer reviews the information for approval but it has not yet been fully underwritten by a mortgage underwriter


  • Conventional, Fixed Rate, and Adjustable Rate3 Programs
  • Federal Housing Administration (FHA) Loans
  • Veterans Affairs (VA) Loans
  • USDA, Rural Housing, and Community Affairs Programs
  • Home Possible® Mortgage and State Agency Programs
  • Residential Construction Lending
1 United Community Bank does not offer a pre-approval program. This is for informational use only.
2 A credit report may be pulled for pre-qualification.
3 APR may increase during the term of the loan.

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