More Options to Get You Home

Dreaming of a new home? We know how to get you there.

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.

Whether you’re a first-time homebuyer, moving up, or downsizing, we’re here to match you to the mortgage that will get you home—and our team of experts will walk you through every step of the process.

Start Your Application Connect with a Mortgage Expert

Increase Your Net Worth x40

Did you know? The net worth of US homeowners is 40 times more than renters. A 2019 Federal Reserve study found that renters had a net worth of just $6,300 versus $255,000 for homeowners. Buying a home is a great way to start building your net worth—and to lay the foundation of generational wealth for your children.

How’s that possible?

Down Payment and Other Assistance

A common myth about buying a home is that you’ll need a 20% down payment. But that’s not the case—and whether you’ve got 15%, 3%, or nothing saved, we have loan options that can make homeownership possible for you.

Ask our mortgage experts about our low- and no-down-payment options, down payment assistance programs, and other offers like a 2-1 buydown or extended rate lock.

Connect with a Mortgage Expert Down Payment Assistance

Home Loan Options for Every Buyer

No matter what kind of homebuyer you are, how much you’ve saved for a down payment, or how good (or not so good) your credit is, we’ll work with you to find the loan option that’s best for you. We have a wide variety of loan and assistance options, and our experts are here to find the best fit for your financial situation.

Start a Conversation

Need to Improve Your Credit?

Good credit plays a key role in your finances, and increasing your score before buying a home can give you access to lower interest rates and help you qualify for more loan options.

Strategies to Boost Your Credit Score

Ready to get started?

Begin your secure application now.

Start Your Application

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

couple making renovation plans in their home

4 Ways to Finance Your Home Renovation

House projects are big decisions, especially when they come with a big expense. But they’re worth the investment—whether you’re renovating to add value to your home before you sell or to make yourself happier in the space.

Read Article

FHA Three Ways

FHA home loans, mortgages backed by the Federal Housing Administration (FHA), allow for lower down payments and can be easier to qualify for than conventional financing. They also come with competitive mortgage interest rates and allow for seller-paid closing costs—both benefits that can save you money.

Read Article

How Mortgage Interest Works

When you borrow money to buy a home, you make payments on the interest every month as part of your monthly mortgage payment. The higher the interest rate, the higher your payment will be. Read the blog to learn how mortgage interest works.

Read Article

View All Posts

Restrictions apply. Not all borrowers will qualify. PATH loan geographic eligibility is restricted to the states where United Community is located and for qualified assessment areas within each state. Certain property types are ineligible. Other restrictions may apply.

Mortgage products and services are offered by 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). This is not a commitment to lend. Normal credit criteria apply.