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Home Loans and Mortgages

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Let us lend you a hand.

The housing market can be intimidating, but that doesn’t mean your mortgage should be. With flexible loan programs and terms that fit whatever home you’re looking for, we can work together to find the right solution for your home-buying needs. 

Apply for a Mortgage         Get Pre-Qualified1

Want to get in touch?

Connect with a local Mortgage Loan Originator, give us a call at 1-800-914-8224 or conduct the whole process online. No matter your preference, we'll work with you to get the mortgage loan you need. 

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Start your application today.

It’s easy. It’s secure. It’s the best way to apply for your mortgage.

Find your fit below.

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Fixed and Adjustable Rate Mortgages2

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.

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First-Time Homebuyers

Buying your first home doesn't have to be scary. We'll be here with you every step of the way. From determining how much you can afford to finding the right program for your unique needs, our loan officers will guide your every step to your new front door.

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Construction and Renovation

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. 

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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.

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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, 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.

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When all you need is a leg up, we can help. Turn your homeownership dreams into a reality with a PATH Loan. With up to 100% financing for low/moderate-income borrowers and high-minority census tracts within our community, this financing option gives you the financial and personal support you need to thrive.

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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 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.

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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. 

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UAdvantage Community Partners

We are committed to supporting families and individuals who make their living serving our communities. We offer a unique financial opportunity for current or retired law enforcement officers, educators, healthcare workers, firefighters, and other first responders; veterans and active-duty military or their surviving spouse; and COVID-related essential workers who are purchasing a home.

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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).

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Learning Center

Home Renovations that Spark Joy

By United Community Mortgage Services

Pulling the trigger on a big house project is a tough decision—it can be expensive, not to mention inconvenient. But the results of a new study show most of those projects do pay off, both in resale value and homeowner joy.

Read Article

Moving? Top 8 Expenses to Keep in Mind

By United Community Mortgage Services

Whether you’re moving across the street or across the country, there’s so much to consider. The process involves so many steps, including one that’s often overlooked: budgeting for moving expenses that can really add up.
Read Article

Manufactured homes: a new option to rent or buy your dream home1

By United Community Mortgage Services

Rising interest rates are driving a lot of home-buying budgets down. That’s where manufactured housing comes in. It’s a more affordable option with many of the same features as a traditional site-built home.
Read Article

© 2022 United Community Bank | NMLS# 421841 | | 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.

1This 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. 
2ARM 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.