15-Year Fixed-Rate Mortgage

If you have some cushion in your budget, United Community Bank's 15-year mortgage features a fixed rate that allows you pay off your home in half the time of a 30-year mortgage. Your monthly payments will be higher, but you will save money in the long run because you have 15 fewer years of interest payments.

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  • Offers many of the same benefits of a 30-year mortgage but you pay off your home quicker with a higher monthly payment 
  • Good choice if you plan to live in your house for 10 years or more
  • Build equity much more quickly due to shorter amortization schedules 
  • Interest rates are lower than 30-year loans 
  • Monthly payments are predictable (notwithstanding increased property tax and insurance payments, if those are rolled into your monthly mortgage payment) 

Can I transfer funds from my checking or savings accounts to make a loan payment?

Yes. 

Personal online banking customers can transfer funds from checking or savings accounts to make a loan payment as long as the accounts are viewable through online banking. [How to add/change the accounts you view through online banking]

Business online banking customers can transfer funds to make a loan payment by selecting 'Transfer List' from the Management Tools menu, then selecting 'Unrestricted Transfer'. 

IMPORTANT: Payments made before 6pm each business day will be applied same day.