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Ready to make the next move?

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Ready to make the next move?
Whether you're looking for a getaway by the ocean, in the mountains, or on the lake, or you're jumping into real estate investing, we can help. Our team of expert mortgage lenders will work with you to find the best home loan options for your current situation and long-term financial goals. Call 1-800-914-8224 to connect with a local lender and get started today.
 

Your Next Home

Need a few more bedrooms? Looking to downsize or change neighborhoods? Our fixed and adjustable rate mortgages come in varying term lengths and can be personalized to fit your next dream.

Vacation Home

A vacation home is considered a second home, a property you purchase in addition to your primary home and plan to live in for parts of the year. For this type of home purchase, the main difference you can expect is a larger down payment requirement.

Investment Property

If you’re buying a house to flip it or to rent it out to others, you probably fall in the investment category. Unlike a second home, this could be more than one unit. It can also be rented out in short-term increments (think Airbnb) or for a longer term. Just like the vacation home, financing for these properties will require a larger down payment than a primary home would.

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Begin your secure application.

Not quite ready to apply? Find a mortgage lender to connect with, visit a local branch, or give us a call at 1-800-914-8224.

Specific Loan Options

Conventional Loans

Conventional loans offer more options when it comes to home financing. They’re available through private lenders, and aren’t backed by the government (like FHA, VA, and USDA loans are).
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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.
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USDA: Rural Housing Loan

Through the USDA Guaranteed Rural Housing Loan Program, low and moderate income individuals can qualify for a fixed-rate mortgage with minimal out-of-pocket expense, and often without a downpayment. Property must be in an eligibel rural area.
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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.
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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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Frequently Asked Questions

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.
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.
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.

 

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).

Didn't find what you are looking for? View All FAQs or Contact Us

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. 
 

Find Your Local 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

Jim Hanrahan

Mortgage 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

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

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