SmarterMortgage

Whether you're purchasing a home or refinancing your current mortgage, United Community Bank's SmarterMortgage delivers valuable features that help you save more money. Our various options enable you to tailor the mortgage to fit your needs.

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  • Choose between monthly or bi-weekly payments
  • Flexible terms with interest rate adjustment periods of 3, 5 and 7 years 
  • Low closing costs1 mean more money in your pocket
  • Competitive rates available and local servicing throughout the process
  • Receive a rate reduction when you pay with an automatic account debit every month
  • Escrow is optional in most instances

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.

1 Bank closing costs do not include recording fees or mortgage taxes. Low bank closing costs only apply to refinances less than $500,000. Property insurance and flood insurance, if applicable, are required on all collateral. Consumer loans only. NMLS# 421841