PATH Loans

Home financing, built for our community.

United Community's PATH (Possibilities Achieved through Homeownership) loan is designed to give more people the opportunity to become homeowners. It's a no-down-payment, fixed-rate home financing option with no mortgage insurance requirement that you'll only find at United.¹

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PATH Loan Overview:

100% financing up to $500,000
Minimum 640 FICO
30-year fixed-rate mortgage
For purchase of owner occupied primary homes only
No mortgage insurance required
No maximum income restrictions for properties located in:
- Low- or moderate-income-level census tracts
- Census tracts with greater than 49% minority population
No census tract requirement for borrowers earning less than 80% of the MSA median income

Start Your Application Connect with a Mortgage Lender

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.

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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.