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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

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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.

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.

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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Call 1-800-914-8224 to get started.

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Homebuying Resources

New Medical Debt Rules Could Give Your Credit Score a Boost

By United Community Mortgage Services

If you’re carrying less than $500 in medical debt, it’ll no longer impact your mortgage credit score. That change officially went into place in April 2023, about a year after the Consumer Financial Protection Bureau published a lengthy report questioning the role of medical debt on credit reports. Continue reading to find out more. 
Read Article

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.

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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

© 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.