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    Home Loans and Mortgages

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    With so many different mortgage options, it can be difficult to know which one is right for you. At United Community, our mortgage loan originators are skilled at navigating the world of homebuying and can provide you with the best possible products to suit your needs. Whether you’re looking to buy your first home, a new home, or a vacation home, we can connect you with the right loan. Call 1-800-914-8224 to connect with a local lender and get started today.

    Pick Your Home Loan Journey:

    First-Time Homebuyer

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    Buying a Home

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    Refinancing Options

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    Home Construction Loans

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    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?
     

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    United's Mortgage Interest Rates

    So many factors go into your mortgage interest rate (credit score, employment, loan term, debt, etc.), and we want to make sure your rate matches your unique financial situation. That’s why we’ll spend time getting to know you and your long- and short-term goals before we create a customized rate quote for you.
     
    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.
     

    Specific Loan Options

    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.4
    Learn More

    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.
    Learn More

    VA Mortgage Loan

    You have served us, so let us to support you. For all past and present military members, and surviving spouses who are looking for help with buying a new home, 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.
    Learn More

    PATH Loans

    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.
    Learn More

    Physician Mortgage

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

    Down-Payment Assistance

    Down-payment assistance programs help off-set the costs that come with buying a home, like a down-payment and closing costs. This assistance typically comes in the form of a grant or second mortgage and can make it possible to move forward with buying a home, even if you haven’t saved enough for a down-payment.
    Learn More

    Find your local mortgage lender.

    TJ Love

    Mortgage Originator

    Ali Fletcher

    AVP, Mortgage Loan Originator

    Betsy Kelly

    Mortgage Originator

    Carolyn Swanner

    VP, Mortgage Originator

    Cindy Stone

    VP, Mortgage Originator

    Courtney Johnston

    VP, Mortgage Loan Originator

    David Jolly

    Mortgage Originator

    David Turner

    VP, Mortgage Originator

    Donna Robertson

    AVP, Mortgage Loan Originator

    Doug Schoonmaker

    VP, Mortgage Originator/Area Sales Manager

    Gwenn Lanning

    VP, Mortgage Originator

    Jason Blodgett

    VP, Mortgage Originator

    Jennifer Badger

    Mortgage Originator

    Jenny Keenan

    VP, Mortgage Originator/Regional Sales Manager

    Scott Sharp

    AVP, Mortgage Loan Originator

    Kara Nungesser

    AVP, Mortgage Loan Originator

    Tulea Price

    Mortgage Originator

    Lisa Mericle

    VP, Mortgage Originator

    Tabitha Helms

    VP, Mortgage Originator

    Susan Visi

    Mortgage Loan Originator

    Lisa Pittman

    VP, Mortgage Originator

    Susan Barkley

    VP, Mortgage Originator

    Scott Nation

    VP, Mortgage Originator/Regional Sales Manager

    Ryan Hulton

    VP, Mortgage Originator/Regional Sales Manager

    Roseanne Smith

    VP, Mortgage Originator

    Kitty Mauzy

    AVP, Mortgage Loan Originator

    Renee Burgess

    VP, Mortgage Originator

    Paula Buckles

    Mortgage Loan Originator

    Paul Secondi

    AVP, Mortgage Loan Originator

    Mikell Richards

    VP, Mortgage Originator/Regional Sales Manager

    Jim Hanrahan

    Mortgage Originator

    Ryan Smith

    VP, Mortgage Originator

    Blake McPherson

    Mortgage Loan Originator

    Matt Burns

    Mortgage Originator

    Bob Alman

    Mortgage Loan Originator

    Kim Witte

    VP, Mortgage Loan Originator

    Angie Abston

    VP, Mortgage Originator

    Dan Hegeman

    Mortgage Originator

    Patti Peterson

    VP, Mortgage Loan Originator

    Bart Poynor

    Mortgage Originator

    Kathy McClure

    Mortgage Loan Originator

    Beth Cunningham

    Mortgage Loan Originator

    Jennine Hunter

    AVP, Mortgage Loan Originator

    Bailey Boshers

    Mortgage Loan Originator

    Anna Robison

    Mortgage Loan Originator

    Marie Spafford

    Mortgage Loan Originator

    Jamie Pimentel

    Mortgage Services - Area Sales Manager

    Eric Dunlap

    Mortgage Loan Originator

    Kevin Bennett

    Mortgage Loan Originator

    Kelvin Goodwin

    Mortgage Loan Originator

    Ginny B. Terry

    Mortgage Loan Originator

    Woody Woodfin

    SVP, Regional Sales Manager

    Steve Ledford

    Mortgage Loan Originator

    Jeff Burgess

    Mortgage Loan Originator

    Erica Smith

    Mortgage Loan Originator

    Matt Meissner

    Mortgage Area Sales Manager

    Joy Hutsell-Banks

    VP, Mortgage Originator

    Bobby Matthews, Jr.

    VP, Regional Sales Manager

    Nick Morrone

    Mortgage Loan Originator

    Russell Carmichael

    Mortgage Loan Originator

    Bryan Segers

    Mortgage Loan Originator

    Craig Bland

    Mortgage Loan Originator

    Vanessa McKenzie

    Mortgage Loan Originator

    Brianna Grizzle

    Mortgage Loan Originator

    Cathy Edwards

    Mortgage Loan Originator

    Fiorella Rastelli

    Mortgage Loan Originator

    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. 
     

    Frequently Asked Questions

    Mortgage lenders like United take several factors into consideration, including your credit score, debt-to-income ratio, employment history, and assets. You can get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus—Equifax, Experian, and TransUnion—by visiting www.annualcreditreport.com.
    It will depend on a number of factors, including the interest rate, how much you have for a down payment, your current income, and your current debt. Use this home affordability calculator to quickly crunch the numbers and get a better idea.
    It's a letter from a mortgage lender like United that provides an estimate of the amount you pre-qualify for based on financial information you have provided so far. You can use the letter to show real estate agents and home sellers that you’re a serious homebuyer. It’s not a guarantee that your loan will be approved, but it indicates you’re well on your way.
    You can change, but you’ll need to refinance through a new loan, which will come with closing costs and appraisal fees. Work with your mortgage lender to fully understand the math of what you’ll be spending and what you’ll be saving.
    Do your best to pay your bills on time and keep your credit card balances as low as you can. As you pay off credit cards, keep them open to show your good payment track record. If you’re in trouble with credit card debt, consider talking to a credit counselor.

    Get seven more tips for improving your credit score.
    The interest rate on a fixed-rate mortgage stays the same throughout the life of the loan. With a fixed-rate mortgage, you don’t have to worry about your rate going up and causing a bigger monthly payment than you’ve planned on.  

    The interest rate on an adjustable-rate mortgage (ARM) can chane over time. Usually, the rate is lower than the market rate for the fixed-rate period of the loan typically seven to ten years, and then it’s adjusted on a set schedule based on the current market rate.

    The schedule will be in your loan terms. Adjustments may be madeevery six months. Some ARMs come with a cap on how much interest you’ll be expected to pay so you have an idea of how high your payment may rise.

     

    Conventional loans are offered by banks and other private lenders with no guarantee from the government that they’ll be paid back. Government-backed loans are also offered by banks and other private lenders, but the government guarantees they’ll re-pay the loan if the borrower doesn’t.

    There are three types of government-backed mortgages:
    • FHA loans are guaranteed by the Federal Housing Administration to make homebuying more affordable, especially for first-time homebuyers. FHA loans have lower interest rates and lower credit score and downpayment requirements than conventional loans.
    • VA loans are guaranteed by the Department of Veterans Affairs to help active-duty service members and veterans buy a home. VA loans have lower interest rates and credit score requirements than conventional loans. There’s no down-payment or private mortgage insurance (PMI) requirement.
    • USDA loans are guaranteed by the US Department of Agriculture to stimulate development in rural areas. USDA loans have lower interest rates and credit score requirements than conventional loans and no down-payment requirement.

    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).

    You can make extra mortgage payments or extra payments on mortgage principal to pay off your mortgage faster. Consider putting financial windfalls like tax refunds toward your mortgage. Other ways include refinancing at a lower interest rate or for a shorter term.

    To get more ideas, read this article: 4 Strategies to Pay Off Your Mortgage Faster.
    After you apply for a loan, your mortgage loan originator will ask if you want to lock in your interest rate. It’s a lender’s guarantee that your interest rate won’t change for a certain period of time, even if market rates go up. The lock is a holding period designed to last throughout the mortgage process and closing day.
    A doctor loan, also known as a physician mortgage or medical professional mortgage, is a loan designed for the unique financial situation of medical professionals, like doctors, dentists, optometrists, physician assistants, nurse practitioners, and veterinarians who are looking to buy a home. Medical professionals often have high student loan debt and inconsistent income, especially when they’re just starting out.

    Medical professional mortgages often have more generous debt-to-income ratio requirements and lower down-payment requirements than conventional loans. They may also not require private mortgage insurance (PMI).
    The Federal Housing Finance Agency (FHFA) sets the maximum amount mortgage loans should be to conform to their underwriting guidelines. It’s possible to qualify for a higher amount through non-conforming jumbo loans.

    These loans are riskier for the lender and usually come with higher interest rates and higher standards for credit scores. You may need a low debit-to-income ratio and an excellent credit score above 700 to qualify. You may also need to show you have cash reserves to cover the first six months or year of mortgage payments.

    Didn't find what you are looking for? View All FAQs or Contact Us

    Helpful Mortgage Resources

    Couple who bought their first home Make Buying a Home More Affordable
    When interest rates rise, your home-buying budget goes down. That’s because more of your monthly payment is going toward paying interest instead of paying down the money you borrowed. But there are ways to make homeownership more affordable so that you can buy the home of your dreams.
     
    Read Article
    new home construction FAQs about United Community Mortgage’s Construction-to-Permanent and Construction-Only Loan Products
    Financing a new home build might be something you’ve never done before. At United, we’re committed to making sure you know what to expect every step of the way. That’s why we put together this guide to help you navigate the process.
    Read Article
    woman moving and petting dog You can buy a home without putting 20% down

    You don’t need 20% down to buy a home. You read that right—the down payment requirement is one of the most common misconceptions when it comes to getting a mortgage, and you don’t actually need to wait until you’ve saved up a 20% down payment to buy a home.

    Read Article
    1. 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.)

      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. 

      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.

      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.

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