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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-rate, conventional construction-to-permanent financing, along with construction-only jumbo loan options. 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.
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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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Manage Your Build

Get updates on your construction project and request draws 24/7 with our secure digital United Construction Management System.
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Quick Reference Guide

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

You can use a home renovation loan to make your home more comfortable, add living space, or increase its value. Common renovations are remodeling kitchens and bathrooms, upgrading windows and doors, adding outdoor decks or pools, and finishing an attic or basement.

Take a look at 5 home improvement projects that pay off.
 
New home construction loans are available to qualified borrowers who are building instead of buying. They usually have a shorter term and a higher interest rate than mortgages for existing homes. The term is typically one year, and the construction has to be finished in that timeframe.

To qualify for a home construction loan, you’ll need to provide a construction agreement, a detailed construction schedule, and a complete construction budget.

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 Originator

NMLS# 427473

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

Matt Burns

Mortgage Originator

NMLS# 789219

Russell Carmichael

Mortgage Loan Originator

NMLS# 1492025

Ali Cook

AVP, Mortgage Loan Originator

NMLS# 1769112

Beth Cunningham

Mortgage Loan Originator

NMLS# 193234

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

Dan Hegeman

Mortgage Loan Originator

NMLS# 1749909

Tabitha Helms

VP, Mortgage Originator

NMLS# 527461

Ryan Hulton

VP, Mortgage Originator/Regional Sales Manager

NMLS# 523081

Jennine Hunter

AVP - 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# 472433

Kitty Mauzy

AVP - Mortgage Loan Originator

NMLS# 512515

Kathy McClure

Mortgage Loan Originator

NMLS# 486300

Lauri McCray

SVP - Director of Mortgage Operations

Blake McPherson

Mortgage Loan Originator

NMLS# 1535320

Matt Meissner

Mortgage Area Sales Manager

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, Mortgage Originator/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

Fiorella Rastelli

CRA Mortgage Loan Originator

NMLS# 2444165

Mikell Richards

VP, Mortgage Originator/Regional Sales Manager

NMLS# 607894

Donna Robertson

AVP - Mortgage Loan Originator

NMLS# 1715410

Anna Robison

Mortgage Loan Originator

NMLS# 171224

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 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

Mortgage Loan Originator

NMLS# 792258

Kim Witte

VP - Mortgage Loan Originator

NMLS# 455507

Woody Woodfin

SVP, Regional Sales Manager

NMLS# 457100

  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. 

    © 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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