Pick Your Home Loan Journey:
Why choose United for your home mortgage?
At United, you’ll find competitive rates, a wide range of home loan products, and local mortgage experts who will work with you from application to closing, delivering the personalized service you deserve. You’ll also benefit from:
- Digital application
- Online mortgage payments
- Large selection of mortgage products
- United Signature Checking Account1
- Employees committed to customer service
- .25% discount when you use auto-pay on certain loan products
- Competitive rates and closing costs
- Communication to keep you updated about your loan’s progress
Ready to get started?
United's Mortgage Interest Rates
We believe the first step toward superior customer service is setting realistic expectations. And that starts by quoting you a rate we know we can stand behind.3
Ready for your rate quote? Our team of expert mortgage lenders is ready to connect with you.
Try our Home Loan Calculators
Specific Loan Options
Fixed and Adjustable Rate Mortgages
VA Mortgage Loans
Find your local mortgage lender.
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.
Helpful Mortgage Resources
Avoid monthly service charge on United Signature Checking account by maintaining $15,000 minimum daily balance. You may also avoid the monthly service charge if you maintain $25,000 in combined consumer deposit balance(s) or maintain $50,000 in combined outstanding principal balances in consumer loan accounts owned and serviced by United Community Bank. Additionally, the monthly service charge may be avoided if the primary account holder for this account also maintains assets under management with United Community Advisory Services, or maintains a mortgage loan serviced by United Community Mortgage Services or our mortgage servicing provider on behalf of United. (Note: United Signature Checking, advisory services and third party serviced loans must all be reporting under the same tax identification number in order to qualify for service charge waiver.)
2 This is not a commitment to lend. Normal credit criteria apply. A prequalification generally means that we will pull your credit and collect some basic financial information from you (such as debt, income and assets) in order to give you a ballpark estimate of how much house you can afford. A prequalification is based on certain assumptions and it is not a guarantee to lend as there is a lot more information needed to actually approve you for a loan.
3 Rates offered are good only at the time offered. Mortgage interest rate is not guaranteed until rate is locked and then is guaranteed only for set lock period. Property address is required to lock rate.
This is not a commitment to lend. Normal credit criteria apply. Restrictions apply. Not all borrowers will qualify.
4 Adjustable Rate Mortgage (ARM) loans are variable rate loans; interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every six months according to the market index. Any change may significantly impact your monthly payment.
© 2023 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. This is not a commitment to lend. Offer subject to change without notice.