Skip to main content
Why United
Why United
WHY UNITED
Locations
Help
Contact
Exit Mobile
CONTACT
Search
contact-exit

Customer Support

Phone:
1-800-UCBANK1 (1-800-822-2651)
Hours:
Monday-Friday: 8:00am-6:00pm EST
Saturday: 9:00am-12:00pm EST
After hours? Send us a message
Additional contact options 
Schedule an Appointment
MENU

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
Start Your ApplicationConnect with a Mortgage Expert

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.

RyanSmith Image

Ryan Smith

VP, Mortgage Originator

919-601-3780

Connect with a local lender.

Preferred Contact Method:
Are you a current customer?
How can we help you?
 

Learning Center

Key Players in the Home-Buying Process

By United Community Mortgage Services

Buying a home isn’t a one-player game. You’re going to work with a number of people throughout the process. 
Read Article

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.
Read Article

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
Explore the Learning Center

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.