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Home Construction & Renovation Loans

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The home you're dreaming of starts here.

Whether you’re renovating your current home or building a new one, we can help you find the best loan for you. With United, you have access to fixed or Adjustable Rate Mortgage (ARM)1 conventional and jumbo loan options, and you can lock your interest rate in upfront, with the opportunity to lower it before final closing if interest rates have dropped. 
Call 1-800-914-8224 to connect with a local lender and get started today.

More resources to get you started:

construction renovation home loan

Construction and Renovation

If she said the shed needs to be built, like, tomorrow or if your family has outgrown your current space, we can help you get the loan you need.

construction renovation home loan

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. 

construction renovation home loan

Manage Your Build

Get updates on your construction project and request draws 24/7 with our secure digital United Construction Management System.

construction renovation home loan

Quick Reference Guide

Watch this quick video tutorial to learn how to access our United Construction Management System and request a draw.

construction renovation home loan

Request an Inspection

Our step-by-step guide walks you through the process of requesting an inspection using our United Construction Management System.

Try our Home Equity Line of Credit Calculator

Calculators are for informational purposes only and are not a commitment to lend.

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Learning Resources

Medical Debt and Your Credit Score

By United Community Mortgage Services

If you’ve paid off debt that was in medical collections, we have exciting news for you: that cleared debt is no longer included on your mortgage credit report. 2023 will see even more changes. See what the changes could mean for you. 
Read Article

A Loan Option that Lets You Buy a Home for Your Elderly Parents

By United Community Mortgage Services

A loan commonly referred to as the Family Opportunity Mortgage is a loophole of sorts—and it can make it more affordable for you to provide housing for your aging parents or your handicapped or disabled adult child.
Read Article

Which is more important, Rate or APR?

By United Community Mortgage Services

When you start shopping for a new mortgage, there are two numbers you'll want to take a look at: the interest rate the lender is offering, and the annual percentage rate, or APR, that will come with that home loan.
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.

1Adjustable 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.