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Home Loans and Mortgages

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With so many different mortgage options, it can be difficult to know which one is right for you. At United Community, our mortgage loan originators are skilled at navigating the world of homebuying and can provide you with the best possible products to suit your needs. Whether you’re looking to buy your first home, a new home, or a vacation home, we can connect you with the right loan. Call 1-800-914-8224 to connect with a local lender and get started today.

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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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.
 

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
Learn More

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.
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VA Mortgage Loan

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.
Learn More

PATH Loans

It’s our goal to make homeownership possible for more people in our communities, so we’ve assembled a wide variety of loan options (and created some of our own) to offer mortgages for every stage of life and every financial situation.
Learn More

Physician Mortgage

For licensed physicians and doctors, 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.
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Down-Payment Assistance

Down-payment assistance programs help off-set the costs that come with buying a home, like a down-payment and closing costs. This assistance typically comes in the form of a grant or second mortgage and can make it possible to move forward with buying a home, even if you haven’t saved enough for a down-payment.
Learn More

Find your local mortgage lender.

Angie Abston

VP, Mortgage Originator

Tammy Acker

Mortgage Loan Originator

Bob Alman

Mortgage Loan Originator

Jennifer Badger

Mortgage Originator

Susan Barkley

VP, Mortgage Originator

Kevin Bennett

Mortgage Loan Originator

Craig Bland

Mortgage Loan Originator

Jason Blodgett

VP, Mortgage Originator

Bailey Boshers

Mortgage Loan Originator

Paula Buckles

Mortgage Loan Originator

Renee Burgess

VP - Mortgage Loan Originator

Jeff Burgess

Mortgage Loan Originator

Matt Burns

Mortgage Originator

Russell Carmichael

Mortgage Loan Originator

Ali Cook

AVP, Mortgage Loan Originator

Beth Cunningham

Mortgage Loan Originator

Michael Dietz

Regional Sales Manager

Eric Dunlap

Mortgage Loan Originator

Cathy Edwards

Mortgage Loan Originator

Kelvin Goodwin

Mortgage Loan Originator

Sherry Griggers

Mortgage Loan Originator

Brianna Grizzle

Mortgage Loan Originator

Dan Hegeman

Mortgage Originator

Tabitha Helms

VP, Mortgage Originator

Ryan Hulton

VP, Mortgage Originator/Regional Sales Manager

Jennine Hunter

AVP, Mortgage Loan Originator

Joy Hutsell-Banks

VP, Mortgage Originator

Courtney Johnston

VP, Mortgage Loan Originator

David Jolly

Mortgage Originator

Jenny Keenan

VP, Mortgage Originator/Regional Sales Manager

Betsy Kelly

Mortgage Originator

Adam Kirby

Mortgage Loan Originator

Gwenn Lanning

VP, Mortgage Originator

Steve Ledford

Mortgage Loan Originator

Bobby Matthews, Jr.

VP, Regional Sales Manager

Kitty Mauzy

AVP, Mortgage Loan Originator

Kathy McClure

Mortgage Loan Originator

Blake McPherson

Mortgage Loan Originator

Matt Meissner

Mortgage Area Sales Manager

Lisa Mericle

VP, Mortgage Originator

Jose Moreno

Mortgage Loan Originator

Nick Morrone

Mortgage Loan Originator

Scott Nation

VP, Mortgage Originator/Regional Sales Manager

Kara Nungesser

AVP, Mortgage Loan Originator

Patti Peterson

VP, Mortgage Loan Originator

Jamie Pimentel

Mortgage Services - Area Sales Manager

Lisa Pittman

VP, Mortgage Originator

Bart Poynor

Mortgage Originator

Fiorella Rastelli

Mortgage Loan Originator

Mikell Richards

VP, Mortgage Originator/Regional Sales Manager

Donna Robertson

AVP, Mortgage Loan Originator

Anna Robison

Mortgage Loan Originator

Doug Schoonmaker

VP, Mortgage Originator/Area Sales Manager

Paul Secondi

AVP, Mortgage Loan Originator

Bryan Segers

Mortgage Loan Originator

Roseanne Smith

VP, Mortgage Originator

Ryan Smith

VP, Mortgage Originator

Erica Smith

Mortgage Loan Originator

Marie Spafford

Mortgage Loan Originator

Cindy Stone

VP, Mortgage Originator

Carolyn Swanner

VP, Mortgage Originator

Ginny B. Terry

Mortgage Loan Originator

David Turner

VP, Mortgage Originator

Susan Visi

Mortgage Loan Originator

Kim Witte

VP, Mortgage Loan Originator

Woody Woodfin

SVP, Regional Sales Manager

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. 
 

Frequently Asked Questions

Mortgage lenders like United take several factors into consideration, including your credit score, debt-to-income ratio, employment history, and assets. You can get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus—Equifax, Experian, and TransUnion—by visiting www.annualcreditreport.com.
It will depend on a number of factors, including the interest rate, how much you have for a down payment, your current income, and your current debt.

The interest rate on a fixed-rate mortgage stays the same throughout the life of the loan. With a fixed-rate mortgage, you don’t have to worry about your rate going up and causing a bigger monthly payment than you’ve planned on.  
It's a letter from a mortgage lender like United that provides an estimate of the amount you pre-qualify for based on financial information you have provided so far. You can use the letter to show real estate agents and home sellers that you’re a serious homebuyer. It’s not a guarantee that your loan will be approved, but it indicates you’re well on your way.
You can change, but you’ll need to refinance through a new loan, which will come with closing costs and appraisal fees. Work with your mortgage lender to fully understand the math of what you’ll be spending and what you’ll be saving.
Do your best to pay your bills on time and keep your credit card balances as low as you can. As you pay off credit cards, keep them open to show your good payment track record. If you’re in trouble with credit card debt, consider talking to a credit counselor.

Get seven more tips for improving your credit score.
The interest rate on a fixed-rate mortgage stays the same throughout the life of the loan. With a fixed-rate mortgage, you don’t have to worry about your rate going up and causing a bigger monthly payment than you’ve planned on.  

The interest rate on an adjustable-rate mortgage (ARM) can chane over time. Usually, the rate is lower than the market rate for the fixed-rate period of the loan typically seven to ten years, and then it’s adjusted on a set schedule based on the current market rate.

The schedule will be in your loan terms. Adjustments may be madeevery six months. Some ARMs come with a cap on how much interest you’ll be expected to pay so you have an idea of how high your payment may rise.

 

Conventional loans are offered by banks and other private lenders with no guarantee from the government that they’ll be paid back. Government-backed loans are also offered by banks and other private lenders, but the government guarantees they’ll re-pay the loan if the borrower doesn’t.

There are three types of government-backed mortgages:
  • FHA loans are guaranteed by the Federal Housing Administration to make homebuying more affordable, especially for first-time homebuyers. FHA loans have lower interest rates and lower credit score and downpayment requirements than conventional loans.
  • VA loans are guaranteed by the Department of Veterans Affairs to help active-duty service members and veterans buy a home. VA loans have lower interest rates and credit score requirements than conventional loans. There’s no down-payment or private mortgage insurance (PMI) requirement.
  • USDA loans are guaranteed by the US Department of Agriculture to stimulate development in rural areas. USDA loans have lower interest rates and credit score requirements than conventional loans and no down-payment requirement.

Stop by one of our locations near you to speak with a loan officer or use our locator tool to find a mortgage loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

You can make extra mortgage payments or extra payments on mortgage principal to pay off your mortgage faster. Consider putting financial windfalls like tax refunds toward your mortgage. Other ways include refinancing at a lower interest rate or for a shorter term.

To get more ideas, read this article: 4 Strategies to Pay Off Your Mortgage Faster.
After you apply for a loan, your mortgage loan originator will ask if you want to lock in your interest rate. It’s a lender’s guarantee that your interest rate won’t change for a certain period of time, even if market rates go up. The lock is a holding period designed to last throughout the mortgage process and closing day.
A doctor loan, also known as a physician mortgage or medical professional mortgage, is a loan designed for the unique financial situation of medical professionals, like doctors, dentists, optometrists, physician assistants, nurse practitioners, and veterinarians who are looking to buy a home. Medical professionals often have high student loan debt and inconsistent income, especially when they’re just starting out.

Medical professional mortgages often have more generous debt-to-income ratio requirements and lower down-payment requirements than conventional loans. They may also not require private mortgage insurance (PMI).
The Federal Housing Finance Agency (FHFA) sets the maximum amount mortgage loans should be to conform to their underwriting guidelines. It’s possible to qualify for a higher amount through non-conforming jumbo loans.

These loans are riskier for the lender and usually come with higher interest rates and higher standards for credit scores. You may need a low debit-to-income ratio and an excellent credit score above 700 to qualify. You may also need to show you have cash reserves to cover the first six months or year of mortgage payments.

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  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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