Physician Mortgage Loan

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You're committed to caring for our community. We're committed to caring for you.

Let United Community help you settle into a home with special financing only for medical professionals.¹

For purchase or refinance of a primary home
Adjustable-rate mortgage (ARM)² options
No private mortgage insurance (PMI) required on ARMs²
Student loans are not counted during the first two years of residency
Property must be located in the United Community footprint

Licensed Medical Doctors,³ Dentists, Oral Surgeons, and Doctors of Osteopathy (DO)⁴

100% financing up to $766,550
95% financing up to $1 million

Veterinarians,³ Physician Assistants, and Nurse Practitioners

100% financing up to $650,000

Residents/Interns

100% financing up to $766,550

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Begin your secure application.

Apply 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.

Have a question about an existing home loan? Call 1-800-UCBANK1 (1-800-822-2651) and choose Option 6 to connect directly with our loan servicing experts.

Find Your Local Lender

Ali Cook

AVP, Mortgage Loan Originator

770-631-6251 Email

NMLS# 1769112

Betsy Kelly

Mortgage Loan Originator

(706) 697-7323 Email

NMLS# 1451484

Carolyn Swanner

VP - Mortgage Loan Originator

828-697-3469 Email

NMLS# 643804

Cindy Stone

VP - Mortgage Loan Originator

(706) 632-4506 Email

NMLS# 1216150

Courtney Johnston

VP - Mortgage Loan Originator

(423) 339-5464 Email

NMLS# 1450800

David Jolly

AVP - Mortgage Loan Originator

(404) 483-5729 Email

NMLS# 395787

David Turner

VP - Mortgage Loan Originator

(678) 567-2000 Email

NMLS# 546621

Donna Robertson

AVP - Mortgage Loan Originator

(770) 995-3830 Email

NMLS# 1715410

Dwight Fortenberry

Mortgage Loan Originator

864-644-0264 Email

NMLS# 723229

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Looking for another option?

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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Down-Payment Assistance

Down-payment assistance programs help off-set the costs that come with buying a home, like a down-payment and closing costs. This assistance typically comes in the form of a grant or second mortgage and can make it possible to move forward with buying a home, even if you haven’t saved enough for a down-payment.

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Cash-Out Refinance

When you choose a cash-out refinance, you replace your current home loan with a new mortgage for more than you owe on your home. At closing, you receive the difference in cash. This type of refinancing allows homeowners to access equity built in their property. It's a way to utilize the value of your home for various financial needs or investments.

Learn More

Restrictions apply. Not all borrowers will qualify.
² 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.
³ MDs must have completed their residency/internship/fellowship within the last 15 years from application date.
⁴Borrower must have been licensed within the last 15 years.
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.