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Possibilities achieved through homeownership.

United Community Mortgage Services is proud to offer an affordable loan program designed to meet the needs of the communities we serve.

 

PATH Loan Features1

  • Fixed rate, fully amortizing mortgage loan
  • No mortgage insurance
  • Maximum loan amount up to conforming loan limit
  • Census tract eligibility is limited to those qualified tracts located in United Community Bank's footprint
  • Up to 100% financing available
    • Low or moderate tract income without limitations
    • Minority Census Tracts >49% minority without income limitations
    • <80% MSA Medium Income (exluding rural areas)
  • Maximum debt-to-income of 43%
  • The PATH Loan is for the purchase of owner occupied primary residences only

Ready to get started?

Begin your secure application now.

 


 

Find out how these new financing options can benefit you. 
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Learning Center

5 Ways to Help Your Child Buy a Home

By United Community Mortgage Services

If your child is looking to buy a home, there are many ways you can support them. Check out these options and choose what you’re comfortable with.
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What does a new conforming loan limit mean for you?

By United Community Mortgage Services

Well, that depends on a few things. It may mean you have additional buying power, or that it could make sense to refinance your current home loan. But before we get into how you could be affected by the 2023 conforming loan limit, let’s talk more about exactly what it is.
Read Article

Millennial Home Buying: Top 8 Frequently Asked Questions

By United Community Mortgage Services

Millennials are waiting longer than previous generations to buy a home, but it’s important to keep in mind that homeownership is one of the best ways to build wealth over time. We’ve collected the most common mortgage questions we hear from millennials to give you the answers you need to move forward.

 
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United Community Bank Mortgage Services is the mortgage lending division of 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). Normal credit criteria apply. 1Restrictions apply. Not all borrowers will qualify. This is not a commitment to lend. Geographic eligibility is restricted to FL, GA, NC, SC and TN and for qualified assessment areas within each state.