When you have questions, our team is here to answer your call and walk you through every step of the process. We have a wide array of products designed just for you. You’ll also have the benefit of:
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So many factors go into your mortgage interest rate – your credit score, employment, the loan term and product you choose, the amount of debt you’re carrying, etc. We want to make sure your rate matches your unique financial situation. That’s why we 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.
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.
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.
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.
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.
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.
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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© 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. This is not a commitment to lend. Offer subject to change without notice.
1Avoid 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.)
2This 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.
3Rates 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.
4This is not a commitment to lend. Normal credit criteria apply. Restrictions apply. Not all borrowers will qualify.
5Adjustable 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.