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    Home Construction & Renovation Loans

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    Home Construction & Renovation Loans

    The home you're dreaming of starts here.

    Whether you’re renovating your current home or building a new one, we can help you find the best loan for you. With United, you have access to fixed or Adjustable Rate Mortgage (ARM)1 conventional and jumbo loan options, and you can lock your interest rate in upfront, with the opportunity to lower it before final closing if interest rates have dropped. 
    Call 1-800-914-8224 to connect with a local lender and get started today.

    More resources to get you started:


    Construction and Renovation

    If she said the shed needs to be built, like, tomorrow or if your family has outgrown your current space, we can help you get the loan you need.
    Contact Us

    Homestyle® Renovation

    This renovation option offers a more cost-effective way to renovate your home with low downpayment options, savings, and flexible sources of funds.
    Contact Us

    Manage Your Build

    Get updates on your construction project and request draws 24/7 with our secure digital United Construction Management System.
    Log In Now

    Quick Reference Guide

    Watch this quick video tutorial to learn how to access our United Construction Management System and request a draw.
    Watch Now

    Try our Home Equity Line of Credit Calculator

    Calculators are for informational purposes only and are not a commitment to lend.

    Find Your Local Lender

    TJ Love

    Mortgage Originator

    Ali Fletcher

    AVP, Mortgage Loan Originator

    Betsy Kelly

    Mortgage Originator

    Carolyn Swanner

    VP, Mortgage Originator

    Cindy Stone

    VP, Mortgage Originator

    Courtney Johnston

    VP, Mortgage Loan Originator

    David Jolly

    Mortgage Originator

    David Turner

    VP, Mortgage Originator

    Donna Robertson

    AVP, Mortgage Loan Originator

    Doug Schoonmaker

    VP, Mortgage Originator/Area Sales Manager

    Jason Blodgett

    VP, Mortgage Originator

    Jennifer Badger

    Mortgage Originator

    Jenny Keenan

    VP, Mortgage Originator/Regional Sales Manager

    Scott Sharp

    AVP, Mortgage Loan Originator

    Kara Nungesser

    AVP, Mortgage Loan Originator

    Keith Hill

    Mortgage Originator

    Tulea Price

    Mortgage Originator

    Tom Wilson

    VP, Mortgage Loan Originator

    Lisa Mericle

    VP, Mortgage Originator

    Tabitha Helms

    VP, Mortgage Originator

    Susan Visi

    Mortgage Loan Originator

    Lisa Pittman

    VP, Mortgage Originator

    Susan Barkley

    VP, Mortgage Originator

    Scott Nation

    VP, Mortgage Originator/Regional Sales Manager

    Ryan Hulton

    VP, Mortgage Originator/Regional Sales Manager

    Roseanne Smith

    VP, Mortgage Originator

    Kitty Mauzy

    AVP, Mortgage Loan Originator

    Renee Burgess

    VP, Mortgage Originator

    Paula Buckles

    Mortgage Loan Originator

    Paul Secondi

    AVP, Mortgage Loan Originator

    Mikell Richards

    VP, Mortgage Originator/Regional Sales Manager

    Terry Bradley

    Mortgage Originator

    Jim Hanrahan

    Mortgage Originator

    Ryan Smith

    VP, Mortgage Originator

    Blake McPherson

    Mortgage Loan Originator

    Matt Burns

    Mortgage Originator

    John Hagler

    Mortgage Loan Officer

    Bob Alman

    Mortgage Loan Originator

    Kim Witte

    VP, Mortgage Loan Originator

    Angie Abston

    VP, Mortgage Originator

    Dan Hegeman

    Mortgage Originator

    Patti Peterson

    VP, Mortgage Loan Originator

    Kim Walker

    VP, Mortgage Originator

    Bart Poynor

    Mortgage Originator

    Kathy McClure

    Mortgage Loan Originator

    Beth Cunningham

    Mortgage Loan Originator

    Andrew Young

    VP, Consumer Direct Manager

    Jennine Hunter

    AVP, Mortgage Loan Originator

    Derek Berry

    AVP, Senior Mortgage Loan Originator

    Bailey Boshers

    Mortgage Loan Originator

    Anna Robison

    Mortgage Loan Originator

    Marie Spafford

    Mortgage Loan Originator

    Jamie Pimentel

    Mortgage Services - Area Sales Manager

    Clint Hickox

    Mortgage Loan Originator

    Eric Dunlap

    Mortgage Loan Originator

    Kevin Bennett

    Mortgage Loan Originator

    Shane Furr

    Mortgage Loan Originator

    Kelvin Goodwin

    Mortgage Loan Originator

    Ginny B. Terry

    Mortgage Loan Originator

    Woody Woodfin

    SVP, Regional Sales Manager

    Mallory Murphy

    Mortgage Loan Originator

    Steve Ledford

    Mortgage Loan Originator

    Josh Morrow

    Mortgage Loan Originator

    Jeff Burgess

    Mortgage Loan Originator

    Erica Smith

    Mortgage Loan Originator

    Matt Meissner

    Mortgage Area Sales Manager

    Joy Hutsell-Banks

    VP, Mortgage Originator

    Bobby Matthews, Jr.

    VP, Regional Sales Manager

    Nick Morrone

    Mortgage Loan Originator

    Christine Muldoon

    Mortgage Loan Originator

    Katie Beam

    Mortgage Loan Originator

    Russell Carmichael

    Mortgage Loan Originator

    Bryan Segers

    Mortgage Loan Originator

    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. 
     

    Learning Resources

    woman looking to refinance her home When It Makes Sense to Refinance Your Home
    Generally, people consider refinancing when interest rates are low to decrease their monthly payments or pay off their home faster. However, life circumstances and financial needs can sometimes outweigh the disadvantages of refinancing when interest rates are high. Let’s explore why someone might choose to refinance their home in such conditions.
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    happy couple after buying a home How Homeownership Could Amplify Your Net Worth
    The net worth of US homeowners is 40 times more than renters. That’s according to a 2019 Federal Reserve study. It found renters had a net worth of just $6,300, versus $255,000 for homeowners. Continue reading to learn how homeownership could amplify your net worth.
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    home design plans Hot Home Design Trends
    Figuring out your colors and finishes is one of the most challenging (and often intimidating) parts of starting a home renovation project. To help you narrow down your options, we’re sharing some recent home design trends.
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    1. 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. 

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