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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 Median 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. 
Connect with your local lender today!


Call or text 919-601-3780 to get started.

Meet our mortgage expert.

If you’re interested in learning more about home financing, please reach out to United Mortgage Loan Originator Ryan Smith.

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Ryan Smith

VP, Mortgage Originator

Connect with a local lender.

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Learning Center

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.

 
Read Article

Medical Debt and Your Credit Score

By United Community Mortgage Services

If you’ve paid off debt that was in medical collections, we have exciting news for you: that cleared debt is no longer included on your mortgage credit report. 2023 will see even more changes. See what the changes could mean for you. 
 
Read Article

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.