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Customer Support

Phone:
1-800-UCBANK1 (1-800-822-2651)
Hours:
Monday-Friday: 8:00am-6:00pm EST
Saturday: 9:00am-12:00pm EST
After hours? Send us a message
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Ready to make the next move?

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Whether you're looking for a getaway by the ocean, in the mountains, or on the lake, or you're jumping into real estate investing, we can help. Our team of expert mortgage lenders will work with you to find the best home loan options for your current situation and long-term financial goals. Call 1-800-914-8224 to connect with a local lender and get started today.

 

Your Next Home

Need a few more bedrooms? Looking to downsize or change neighborhoods? Our fixed and adjustable rate mortgages come in varying term lengths and can be personalized to fit your next dream.
 

Vacation Home

A vacation home is considered a second home, a property you purchase in addition to your primary home and plan to live in for parts of the year. For this type of home purchase, the main difference you can expect is a larger down payment requirement.

Investment Property

If you’re buying a house to flip it or to rent it out to others, you probably fall in the investment category. Unlike a second home, this could be more than one unit. It can also be rented out in short-term increments (think Airbnb) or for a longer term. Just like the vacation home, financing for these properties will require a larger down payment than a primary home would.

Try our homebuying calculators

Calculators are for informational purposes only and are not considered a rate quote or commitment to lend.
 
 

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Specific Loan Options

Conventional Loan icon

Conventional Loans

Conventional loans offer more options when it comes to home financing. They’re available through private lenders, and aren’t backed by the government (like FHA, VA, and USDA loans are).
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Homestyle® Renovation 

This renovation option offers a more cost-effective way to renovate your home with low downpayment options, savings, and flexible sources of funds.
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USDA: Rural Housing Loan

Through the USDA Guaranteed Rural Housing Loan Program, low and moderate income individuals can qualify for a fixed-rate mortgage with minimal out-of-pocket expense, and often without a downpayment. Property must be in an eligibel rural area.
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VA Mortgage Loans

You have served us, so let us 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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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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Homebuying Resources

Don’t let Higher Rates put Your Moving Plans on Hold

By United Community Mortgage Services

When mortgage interest rates start rising, the housing market typically slows down. Many buyers shy away from moving forward with a purchase, hoping to “time the market” by locking in a mortgage rate when rates drop. If that’s your strategy, here’s what you need to know.
Read Article

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
Explore the Learning Center

© 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.