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Customer Support

Phone:
1-800-UCBANK1 (1-800-822-2651)
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Monday-Friday: 8:00am-6:00pm EST
Saturday: 9:00am-12:00pm EST
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Ready to refinance your home? 

New mortgage refinance programs may be able to help.

Fannie Mae and Freddie Mac are rolling out new refinance options that are making it possible for a larger pool of homeowners to refinance and secure a more manageable interest rate and monthly payment.

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.  Connect with one of our mortgage lending experts today to see if refinancing could give you some financial breathing room. 
 

RefiNowTM for select Fannie Mae Borrowers

RefiNowTM is a mortgage solution from Fannie Mae meant to enable low-income borrowers to take advantage of historically low interest rates. This offer is available to all qualified borrowers who start their mortgage application on or after June 5, 2021.

See if I Qualify

Refi PossibleSM for select Freddie Mac Borrowers

Freddie Mac will soon offer a similar program called Refi PossibleSM. This new refinance option will open up to borrowers applying for a new home loan on or after August 30, 2021.

See if I Qualify

Requirements to Apply for RefiNowTM and Refi PossibleSM 1

 

  • Your income must be less than or equal to 100% of the applicable area median income where your home is located

  • Your existing loan must have closed at least a year ago

  • Your new loan must be a fixed-rate mortgage, reduce your current interest rate by at least 0.5% and lower your monthly payment
  • You must have a FICO score of at least 620
  • Your home must be a one-unit primary residence
  • All of your mortgage payments over the past six months must have been on time and you must have no more than one 30-day late payments in months 7-12 of the past year

Check to see if you qualify. 

Fannie Mae Loan Lookup

Find Out Now

Freddie Mac Loan Lookup

Find Out Now

Ready to get started?

Begin your secure application now.

 


 

Find out how these new financing options can benefit you. 
Connect with you local lender today!

Call 1-800-914-8224 to get started.

Connect with a local lender.

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

Other refinance options

Not a Fannie Mae or Freddie Mac borrower? You may still be eligible to refinance your mortgage loan with United. Get connected with a mortgage lending expert today to learn more. 

Get in Touch

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

Member FDIC. © 2022 United Community Bank | NMLS# 421841 | ucbi.com/mortgage | United Community 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. 

1Other restrictions apply. Not all borrowers will qualify. This is not a commitment to lend. Loan may not be an existing high LTV refinance loan, DU Refi Plus®, or Refi Plus® loan.