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.

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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.

Learning Resources

How Mortgage Interest Works

When you borrow money to buy a home, you make payments on the interest every month as part of your monthly mortgage payment. The higher the interest rate, the higher your payment will be. Read the blog to learn how mortgage interest works.

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Rent vs. Buy: Pros and Cons

Deciding whether renting or buying is the best fit for you? Let's take a look at the pros and cons of renting verses buying a house.

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How can I take advantage of my home’s equity?

When was the last time you had your home appraised? With the rising cost of housing, you may have built up more equity than you think. This equity is a valuable asset you can put to work to consolidate higher-interest credit debts, pay for higher education, or cover medical expenses.

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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.