Skip to main content
Alert Icon

Click for our most recent information on:  Branch Status  

Alert Exit

Mortgage Refinance Options

Apply Now

Rethink your monthly mortgage payment.

Love your home, but not your interest rate and monthly payment? It may be time to refinance your mortgage. Taking advantage of the current rate environment and our Mortgage Loan Originators’ lending expertise could save you thousands of dollars over the life of your loan.

Whether you're hoping to lower your interest rate, adjust your payoff timeline, or rethink your monthly payment, we're here for you. Our individualized approach to lending means we get to know you and your unique situation to find the perfect home loan solution for your personal financial goals.

Want to get in touch?

Connect with a local Mortgage Loan Originator, give us a call at 800-914-8224 or conduct the whole process online. No matter your preference, we'll work with you to get the mortgage loan you need. 

Online Mortgage Refinance Application

With the United Community Bank MyLo online application program, you'll receive the same personalized service you'd get working with a local lender, just online! The process is easy and secure, and you don't even have to leave your home. Start your application online today!

Find your fit below.

home loans icon

New Financing Options

RefiNowTMby Fannie Mae and Refi PossibleSMby Freddie Mac may be able to help you take back control of your monthly payments, freeing up extra cash each month to use for things like long-term savings, surprise expenses or other debt payments. 

fixed and adjustable rate mortgage icon

Fixed and Adjustable Rate Mortgages

Who has ARMs, legs and the fixed-rate mortgages that fit your needs? We do, of course. Popular for buying or refinancing, our fixed and adjustable rate mortgage options come in varying term lengths and can fit whatever square footage you're looking to move into.

renovation home loans icon

Renovation Loan

If she said the she-shed needs to be built, like, tomorrow or if you've simply outgrown your space, we can help you get the loan you need. United’s benefits include fixed or ARM rate conventional and jumbo loan options. You can lock your interest rate in upfront, and even lower it to meet a better rate at final closing. 

jumbo home loans icon

Jumbo Loans

We offer higher-than-conventional loan limit options for those dreaming BIG. Whether you are buying, refinancing or finally adding that movie theater room, we have the fixed-rate and ARM options to fit your unique needs.

home loans for veterans icon

VA Mortgage Loans

You have supported us, so please allow us to support you. For all past and present military members, and surviving spouses who are looking for help with buying a new home or refinancing to lower your interest rate, we can assist you with a VA Mortgage Loan. Take advantage of potentially no down payments or mortgage insurance, low fixed rates and various repayment options.

home loans for physicians icon

Physician Mortgage

For licensed physicians, we’ve designed a unique lending program just for you. Special rates are available for licensed physicians, fellows, interns, residents, dentists, oral surgeons, doctors of osteopathy and veterinarians. This program is available for purchases or refinances with no down payment options, are ARM programs and do not require any private mortgage insurance.

Meet The Team

Don't see your city? We can still help! Click here to get started. 

Frequently Asked Questions

Who do I contact if I have questions about my personal loan?

Stop by one of our locations near you to speak with a loan officer or use our locator tool to find a mortgage loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

Didn't find what you are looking for?

View All FAQs  or  Contact Us.

Get in touch. 

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

You can also contact our mortgage experts at 800-914-8224.


Learning Center

Why are mortgage interest rates rising?

By United Community Mortgage Services

Mortgage interest rates are rising, and they’re rising fast. In fact, we’ve seen the fastest rise in rates since 1987. So, what’s fueling the surge? Read more to find out.
Read Article

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

By United Community Mortgage Services

If you’ve been paying any attention to the housing market, you know home prices have skyrocketed. In the last two years, they’ve jumped nearly 33%! 
Read Article

5 Home Buying Myths

By Jennine Hunter, MLO

There are a lot of myths about the home buying process, especially in underserved communities. As a community mortgage lending specialist, I work to debunk myths like these and help people move toward homeownership.1 Here are five of the most common myths I’ve heard.
Read Article