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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 Loan Originator

NMLS# 773860

Tammy Acker

Mortgage Loan Originator

NMLS# 324771

Bob Alman

Mortgage Loan Originator

NMLS# 1178975

Jennifer Badger

Mortgage Loan Originator

NMLS# 473785

Susan Barkley

VP - Mortgage Loan Originator

NMLS# 527473

Kevin Bennett

Mortgage Loan Originator

NMLS# 499232

Craig Bland

Mortgage Loan Originator

NMLS# 1687090

Jason Blodgett

VP - Mortgage Loan Originator

NMLS# 723213

Bailey Boshers

Mortgage Loan Originator

NMLS# 1833461

Paula Buckles

Mortgage Loan Originator

NMLS# 546299

Renee Burgess

VP - Mortgage Loan Originator

NMLS# 501421

Jeff Burgess

Mortgage Loan Originator

NMLS# 68803

Russell Carmichael

Mortgage Loan Originator

NMLS# 1492025

Ali Cook

AVP, Mortgage Loan Originator

NMLS# 1769112

Beth Cunningham

Mortgage Loan Originator

NMLS# 193234

Luke Daniels

Mortgage Loan Originator

NMLS# 459826

Michael Dietz

UCMS Regional Sales Manager

NMLS# 853773

Eric Dunlap

CRA Mortgage Loan Originator

NMLS# 1244238

Cathy Edwards

CRA - Mortgage Loan Originator

NMLS# 557382

Dwight Fortenberry

Mortgage Loan Originator

NMLS# 723229

Kelvin Goodwin

Mortgage Loan Originator

NMLS# 516216

Sherry Griggers

Mortgage Loan Originator

NMLS# 1562796

Brianna Grizzle

Mortgage Loan Originator

NMLS# 1974720

Tabitha Helms

VP - Mortgage Originator

NMLS# 527461

Ryan Hulton

VP - UCMS Mortgage Area Sales Manager

NMLS# 523081

Jennine Hunter

CRA Mortgage Loan Originator

NMLS# 1780411

Joy Hutsell-Banks

VP- Mortgage Loan Originator

NMLS# 603159

Courtney Johnston

VP - Mortgage Loan Originator

NMLS# 1450800

David Jolly

AVP - Mortgage Loan Originator

NMLS# 395787

Jenny Keenan

VP - UCMS Regional Sales Manager

NMLS# 916287

Betsy Kelly

Mortgage Loan Originator

NMLS# 1451484

Adam Kirby

Mortgage Loan Originator

NMLS# 545555

Gwenn Lanning

VP - Mortgage Loan Originator

NMLS# 643797

Steve Ledford

Mortgage Loan Originator

NMLS# 1370117

Bobby Matthews, Jr.

VP - Regional Sales Manager

NMLS# 1130741

Kitty Mauzy

AVP - Mortgage Loan Originator

NMLS# 512515

Kathy McClure

Mortgage Loan Originator

NMLS# 486300

Robert McCommons

Mortgage Loan Originator

NMLS# 114362

Blake McPherson

Mortgage Loan Originator

NMLS# 1535320

Matt Meissner

Mortgage Sales Supervisor

NMLS# 262525

Lisa Mericle

VP - Mortgage Loan Originator

NMLS# 527465

Jose Moreno

Mortgage Loan Originator

NMLS# 561490

Nick Morrone

Mortgage Loan Originator

NMLS# 1795139

Scott Nation

VP - UCMS Regional Sales Manager

NMLS# 546490

Kara Nungesser

AVP - Mortgage Loan Originator

NMLS# 1714906

Patti Peterson

VP - Mortgage Loan Originator

NMLS# 759440

Jamie Pimentel

VP - UCMS Mortgage Area Sales Manager

NMLS# 281439

Lisa Pittman

VP - Mortgage Loan Originator

NMLS# 767051

Bart Poynor

Mortgage Loan Originator

NMLS# 188427

Mikell Richards

VP - UCMS Regional Sales Manager

NMLS# 607894

Donna Robertson

AVP - Mortgage Loan Originator

NMLS# 1715410

Jeff Sanderlin

Mortgage Loan Originator

NMLS# 1971061

Doug Schoonmaker

VP - UCMS Mortgage Area Sales Manager

NMLS# 659126

Paul Secondi

AVP - Mortgage Loan Originator

NMLS# 55233

Bryan Segers

Mortgage Loan Originator

NMLS# 1715257

Roseanne Smith

VP - Mortgage Loan Originator

NMLS# 464057

Ryan Smith

VP, Mortgage Originator

NMLS# 112493

Erica Smith

Mortgage Loan Originator

NMLS# 2316979

Marie Spafford

VP - Mortgage Loan Originator

NMLS# 532523

Cindy Stone

VP - Mortgage Loan Originator

NMLS# 1216150

Carolyn Swanner

VP - Mortgage Loan Originator

NMLS# 643804

Ginny B. Terry

Mortgage Loan Originator

NMLS# 686745

David Turner

VP - Mortgage Loan Originator

NMLS# 546621

Susan Visi

VP - Mortgage Loan Originator

NMLS# 792258

Kim Witte

VP - Mortgage Loan Originator

NMLS# 455507

Woody Woodfin

SVP - UCMS Regional Sales Manager

NMLS# 457100

  1. © 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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