Skip to Content
FDIC FDIC-Insured - Backed by the full faith and credit of the U.S. Government
young homebuyers

More Options to Get You Home

Apply Now
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.
 


family who just bought a home

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.
 
couple in new home

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.
 
mature couple moving into new home

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.
 
 
man checking his credit score

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. 

 

Ready to get started?

Begin your secure application now.

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. 
 

  1. 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. 

External Link Disclaimer

You are leaving United Community and being directed to a third-party site that is not maintained, owned or operated by United Community Bank. United Community does not control and is not responsible for the privacy or security practices of the third-party. By clicking “Accept,” you are requesting to be transferred to the third-party website. If you do not want to visit the page, you can close this page by clicking "Return To Site”.

Non-deposit products: are not insured by the FDIC; are not deposits; and may lose value.