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VA Mortgage Loan

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VA Mortgage Loan

For service members, veterans, and eligible spouses.1

You've served us, so let us support you. Current service members, veterans, and their eligible spouses looking to buy a new home may want to take advantage of a VA loan. There's no down payment required when borrowing up to the conforming loan limit. Plus, this fixed-rate loan doesn't come with mortgage insurance. Since 1944, the VA loan program has made it possible for over 20 million veterans and their families to secure home financing.

Advantages

  • Fixed-rate mortgage
  • No down payment for loans up to the conforming loan limit
  • No mortgage insurance
  • Various loan repayment options

Details

  • Purchase or refinance
  • Primary home
  • Minimum 600 FICO score for loan amounts under $1MM

Apply Now

Begin your secure 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. 
 

Find your Local Mortgage Lender

To learn more or see if you're eligible, contact you local United mortgage expert today.
Ali Cook

AVP, Mortgage Loan Originator

NMLS# 1769112

Betsy Kelly

Mortgage Loan Originator

NMLS# 1451484

Carolyn Swanner

VP - Mortgage Loan Originator

NMLS# 643804

Cindy Stone

VP - Mortgage Loan Originator

NMLS# 1216150

Courtney Johnston

VP - Mortgage Loan Originator

NMLS# 1450800

David Jolly

AVP - Mortgage Loan Originator

NMLS# 395787

David Turner

VP - Mortgage Loan Originator

NMLS# 546621

Donna Robertson

AVP - Mortgage Loan Originator

NMLS# 1715410

Dwight Fortenberry

Mortgage Loan Originator

NMLS# 723229

Gwenn Lanning

VP - Mortgage Loan Originator

NMLS# 643797

Jason Blodgett

VP - Mortgage Loan Originator

NMLS# 723213

Jennifer Badger

Mortgage Loan Originator

NMLS# 473785

Jenny Keenan

VP - UCMS Regional Sales Manager

NMLS# 916287

Kara Nungesser

AVP - Mortgage Loan Originator

NMLS# 1714906

Lisa Mericle

VP - Mortgage Loan Originator

NMLS# 527465

Tabitha Helms

VP - Mortgage Originator

NMLS# 527461

Susan Visi

VP - Mortgage Loan Originator

NMLS# 792258

Lisa Pittman

VP - Mortgage Loan Originator

NMLS# 767051

Susan Barkley

VP - Mortgage Loan Originator

NMLS# 527473

Scott Nation

VP - UCMS Regional Sales Manager

NMLS# 546490

Ryan Hulton

VP - UCMS Mortgage Area Sales Manager

NMLS# 523081

Roseanne Smith

VP - Mortgage Loan Originator

NMLS# 464057

Kitty Mauzy

AVP - Mortgage Loan Originator

NMLS# 512515

Renee Burgess

VP - Mortgage Loan Originator

NMLS# 501421

Paula Buckles

Mortgage Loan Originator

NMLS# 546299

Paul Secondi

AVP - Mortgage Loan Originator

NMLS# 55233

Mikell Richards

VP - UCMS Regional Sales Manager

NMLS# 607894

Ryan Smith

VP, Mortgage Originator

NMLS# 112493

Blake McPherson

Mortgage Loan Originator

NMLS# 1535320

Bob Alman

Mortgage Loan Originator

NMLS# 1178975

Kim Witte

VP - Mortgage Loan Originator

NMLS# 455507

Angie Abston

VP - Mortgage Loan Originator

NMLS# 773860

Patti Peterson

VP - Mortgage Loan Originator

NMLS# 759440

Bart Poynor

Mortgage Loan Originator

NMLS# 188427

Kathy McClure

Mortgage Loan Originator

NMLS# 486300

Beth Cunningham

Mortgage Loan Originator

NMLS# 193234

Jennine Hunter

CRA Mortgage Loan Originator

NMLS# 1780411

Bailey Boshers

Mortgage Loan Originator

NMLS# 1833461

Marie Spafford

VP - Mortgage Loan Originator

NMLS# 532523

Jamie Pimentel

VP - UCMS Mortgage Area Sales Manager

NMLS# 281439

Eric Dunlap

CRA Mortgage Loan Originator

NMLS# 1244238

Kevin Bennett

Mortgage Loan Originator

NMLS# 499232

Kelvin Goodwin

Mortgage Loan Originator

NMLS# 516216

Ginny B. Terry

Mortgage Loan Originator

NMLS# 686745

Woody Woodfin

SVP - UCMS Regional Sales Manager

NMLS# 457100

Steve Ledford

Mortgage Loan Originator

NMLS# 1370117

Jeff Burgess

Mortgage Loan Originator

NMLS# 68803

Erica Smith

Mortgage Loan Originator

NMLS# 2316979

Matt Meissner

Mortgage Sales Supervisor

NMLS# 262525

Joy Hutsell-Banks

VP- Mortgage Loan Originator

NMLS# 603159

Bobby Matthews, Jr.

VP - Regional Sales Manager

NMLS# 1130741

Nick Morrone

Mortgage Loan Originator

NMLS# 1795139

Russell Carmichael

Mortgage Loan Originator

NMLS# 1492025

Bryan Segers

Mortgage Loan Originator

NMLS# 1715257

Craig Bland

Mortgage Loan Originator

NMLS# 1687090

Brianna Grizzle

Mortgage Loan Originator

NMLS# 1974720

Cathy Edwards

CRA - Mortgage Loan Originator

NMLS# 557382

Michael Dietz

UCMS Regional Sales Manager

NMLS# 853773

Adam Kirby

Mortgage Loan Originator

NMLS# 545555

Tammy Acker

Mortgage Loan Originator

NMLS# 324771

Sherry Griggers

Mortgage Loan Originator

NMLS# 1562796

Jose Moreno

Mortgage Loan Originator

NMLS# 561490

Luke Daniels

Mortgage Loan Originator

NMLS# 459826

Jeff Sanderlin

Mortgage Loan Originator

NMLS# 1971061

Robert McCommons

Mortgage Loan Originator

NMLS# 114362

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.
Learn More

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.
Learn More

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
  1. Not all borrowers will qualify. Restrictions apply. Contact your local mortgage loan originator for specific product details. 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.

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