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Home Loans and Mortgages

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The housing market can be intimidating, but that doesn’t mean your mortgage should be. With flexible loan programs and terms that fit whatever home you’re looking for, we can work together to find the right solution for your home-buying needs. Call 1-800-914-8224 to connect with a local lender and get started today.
 
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Pick Your Home Loan Journey:

First-Time Homebuyer

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Buying a Home

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Refinancing Options

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Home Construction Loans

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United MLO helping customer

Why choose United for your home mortgage?

At United, you’ll find competitive rates, a wide range of home loan products, and local mortgage experts who will work with you from application to closing, delivering the personalized service you deserve. You'll also benefit from:

  • Digital application 
  • Online mortgage payments
  • Large selection of mortgage products
  • United Signature Checking Account1
  • Employees committed to customer service
  •  .25% discount when you use auto-pay on certain loan products
  • Competitive rates and closing costs
  • Communication to keep you updated about your loan’s progress

Ready to get started?

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United's Mortgage Interest Rates

So many factors go into your mortgage interest rate (credit score, employment, loan term, debt, etc.), and we want to make sure your rate matches your unique financial situation. That’s why we’ll spend time getting to know you and your long- and short-term goals before we create a customized rate quote for you.
 
We believe the first step toward superior customer service is setting realistic expectations. And that starts by quoting you a rate we know we can stand behind.3
 
Ready for your rate quote? Our team of expert mortgage lenders is ready to connect with you.

Try our Home Loan Calculators

Consider your options with our mortgage calculators to understand your current financial state. Calculators are for informational purposes only and are not considered a rate quote or commitment to lend.

Specific Loan Options

Fixed and Adjustable Rate Mortgages

Who has ARMs, legs and the fixed-rate mortgages that fit your needs? We do, of course. Popular for buying or refinancing, our fixed and adjustable rate mortgage options come in varying term lengths and can fit whatever square footage you're looking to move into.4
Contact Us

Jumbo Loans

We offer higher-than-conventional loan limit options for those dreaming BIG. Whether you are buying, refinancing or finally adding that movie theater room, we have the fixed-rate and ARM options to fit your unique needs.
Contact Us

VA Mortgage Loans

You have served us, so let us to support you. For all past and present military members, and surviving spouses who are looking for help with buying a new home, we can assist you with a VA Mortgage Loan. Take advantage of potentially no down payments or mortgage insurance, low fixed rates and various repayment options.
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PATH Loan

When all you need is a leg up, we can help. Turn your homeownership dreams into a reality with a PATH Loan. With up to 100% financing for low/moderate-income borrowers and high-minority census tracts within our community, this financing option gives you the financial and personal support you need to thrive.
Learn More

Physician Mortgage

For licensed physicians, we’ve designed a unique lending program just for you. Special rates are available for licensed physicians, fellows, interns, residents and dentists. This program is available for purchases or refinances with no down payment options, are ARM programs and do not require any private mortgage insurance.
Contact Us

UAdvantage Community Partners

We are committed to supporting families and individuals who make their living serving our communities. We offer a unique financial opportunity for current or retired law enforcement officers, educators, healthcare workers, firefighters, and other first responders; veterans and active-duty military or their surviving spouse; and COVID-related essential workers who are purchasing a home.
Contact Us

Find your local mortgage lender.

Ali Cook

AVP, Mortgage Loan Originator

NMLS# 1769112

Betsy Kelly

Mortgage Loan Originator

NMLS# 1451484

Carolyn Swanner

VP - Mortgage Loan Originator

NMLS# 643804

Cindy Stone

VP - Mortgage Loan Originator

NMLS# 1216150

Courtney Johnston

VP - Mortgage Loan Originator

NMLS# 1450800

David Jolly

AVP - Mortgage Loan Originator

NMLS# 395787

David Turner

VP - Mortgage Loan Originator

NMLS# 546621

Donna Robertson

AVP - Mortgage Loan Originator

NMLS# 1715410

Doug Schoonmaker

VP - UCMS Mortgage Area Sales Manager

NMLS# 659126

Dwight Fortenberry

Mortgage Loan Originator

NMLS# 723229

Gwenn Lanning

VP - Mortgage Loan Originator

NMLS# 643797

Jason Blodgett

VP - Mortgage Loan Originator

NMLS# 723213

Jennifer Badger

Mortgage Loan Originator

NMLS# 473785

Jenny Keenan

VP - UCMS Regional Sales Manager

NMLS# 916287

Kara Nungesser

AVP - Mortgage Loan Originator

NMLS# 1714906

Lisa Mericle

VP - Mortgage Loan Originator

NMLS# 527465

Tabitha Helms

VP - Mortgage Originator

NMLS# 527461

Susan Visi

VP - Mortgage Loan Originator

NMLS# 792258

Lisa Pittman

VP - Mortgage Loan Originator

NMLS# 767051

Susan Barkley

VP - Mortgage Loan Originator

NMLS# 527473

Scott Nation

VP - UCMS Regional Sales Manager

NMLS# 546490

Ryan Hulton

VP - UCMS Mortgage Area Sales Manager

NMLS# 523081

Roseanne Smith

VP - Mortgage Loan Originator

NMLS# 464057

Kitty Mauzy

AVP - Mortgage Loan Originator

NMLS# 512515

Renee Burgess

VP - Mortgage Loan Originator

NMLS# 501421

Paula Buckles

Mortgage Loan Originator

NMLS# 546299

Paul Secondi

AVP - Mortgage Loan Originator

NMLS# 55233

Mikell Richards

VP - UCMS Regional Sales Manager

NMLS# 607894

Ryan Smith

VP, Mortgage Originator

NMLS# 112493

Blake McPherson

Mortgage Loan Originator

NMLS# 1535320

Bob Alman

Mortgage Loan Originator

NMLS# 1178975

Kim Witte

VP - Mortgage Loan Originator

NMLS# 455507

Angie Abston

VP - Mortgage Loan Originator

NMLS# 773860

Patti Peterson

VP - Mortgage Loan Originator

NMLS# 759440

Bart Poynor

Mortgage Loan Originator

NMLS# 188427

Kathy McClure

Mortgage Loan Originator

NMLS# 486300

Beth Cunningham

Mortgage Loan Originator

NMLS# 193234

Jennine Hunter

CRA Mortgage Loan Originator

NMLS# 1780411

Bailey Boshers

Mortgage Loan Originator

NMLS# 1833461

Marie Spafford

VP - Mortgage Loan Originator

NMLS# 532523

Jamie Pimentel

VP - UCMS Mortgage Area Sales Manager

NMLS# 281439

Eric Dunlap

CRA Mortgage Loan Originator

NMLS# 1244238

Kevin Bennett

Mortgage Loan Originator

NMLS# 499232

Kelvin Goodwin

Mortgage Loan Originator

NMLS# 516216

Ginny B. Terry

Mortgage Loan Originator

NMLS# 686745

Woody Woodfin

SVP - UCMS Regional Sales Manager

NMLS# 457100

Steve Ledford

Mortgage Loan Originator

NMLS# 1370117

Jeff Burgess

Mortgage Loan Originator

NMLS# 68803

Erica Smith

Mortgage Loan Originator

NMLS# 2316979

Matt Meissner

Mortgage Sales Supervisor

NMLS# 262525

Joy Hutsell-Banks

VP- Mortgage Loan Originator

NMLS# 603159

Bobby Matthews, Jr.

VP - Regional Sales Manager

NMLS# 1130741

Nick Morrone

Mortgage Loan Originator

NMLS# 1795139

Russell Carmichael

Mortgage Loan Originator

NMLS# 1492025

Bryan Segers

Mortgage Loan Originator

NMLS# 1715257

Craig Bland

Mortgage Loan Originator

NMLS# 1687090

Brianna Grizzle

Mortgage Loan Originator

NMLS# 1974720

Cathy Edwards

CRA - Mortgage Loan Originator

NMLS# 557382

Michael Dietz

UCMS Regional Sales Manager

NMLS# 853773

Adam Kirby

Mortgage Loan Originator

NMLS# 545555

Tammy Acker

Mortgage Loan Originator

NMLS# 324771

Sherry Griggers

Mortgage Loan Originator

NMLS# 1562796

Jose Moreno

Mortgage Loan Originator

NMLS# 561490

Luke Daniels

Mortgage Loan Originator

NMLS# 459826

Jeff Sanderlin

Mortgage Loan Originator

NMLS# 1971061

Robert McCommons

Mortgage Loan Originator

NMLS# 114362

Connect with a local lender.

Fill out the form below or call 1-800-914-8224 to get in contact with the Mortgage Services team. 
 

  1. Avoid monthly service charge on United Signature Checking account by maintaining $15,000 minimum daily balance. You may also avoid the monthly service charge if you maintain $25,000 in combined consumer deposit balance(s) or maintain $50,000 in combined outstanding principal balances in consumer loan accounts owned and serviced by United Community Bank. Additionally, the monthly service charge may be avoided if the primary account holder for this account also maintains assets under management with United Community Advisory Services, or maintains a mortgage loan serviced by United Community Mortgage Services or our mortgage servicing provider on behalf of United. (Note: United Signature Checking, advisory services and third party serviced loans must all be reporting under the same tax identification number in order to qualify for service charge waiver.)
    This is not a commitment to lend. Normal credit criteria apply. A prequalification generally means that we will pull your credit and collect some basic financial information from you (such as debt, income and assets) in order to give you a ballpark estimate of how much house you can afford. A prequalification is based on certain assumptions and it is not a guarantee to lend as there is a lot more information needed to actually approve you for a loan. 
    Rates offered are good only at the time offered. Mortgage interest rate is not guaranteed until rate is locked and then is guaranteed only for set lock period. Property address is required to lock rate.
    This is not a commitment to lend. Normal credit criteria apply. Restrictions apply. Not all borrowers will qualify.
    Adjustable Rate Mortgage (ARM) loans are variable rate loans; interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every six months according to the market index. Any change may significantly impact your monthly payment.
    © 2023 United Community Bank | NMLS# 421841 | ucbi.com/mortgage | United Community Mortgage Services is the mortgage lending division of United Community Bank. We are an approved seller/servicer for the Federal National Mortgage Association (Fannie Mae) and the Federal Home Mortgage Corporation (Freddie Mac). Normal credit criteria apply.  This is not a commitment to lend.  Offer subject to change without notice.

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