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Home Construction Loans

Break ground on your dream home.

From making a deal on the lot to the final touches on landscaping, together we will construct the place you call home.
construction to perm home loan icon

Construction-to-Perm Loans

If you are looking to complete your construction and permanent loans at the same time, then this is for you. Even better, if the rate is lower once your home is constructed, you have the option to float down to the lower rate.

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

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.

Find Your MLO

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

Why are mortgage interest rates rising?

By United Community Mortgage Services

Mortgage interest rates are rising, and they’re rising fast. In fact, we’ve seen the fastest rise in rates since 1987. So, what’s fueling the surge? Read more to find out.
 
Read Article

How can I take advantage of my home’s equity?

By United Community Mortgage Services

If you’ve been paying any attention to the housing market, you know home prices have skyrocketed. In the last two years, they’ve jumped nearly 33%! 
Read Article

5 Home Buying Myths

By Jennine Hunter, MLO

There are a lot of myths about the home buying process, especially in underserved communities. As a community mortgage lending specialist, I work to debunk myths like these and help people move toward homeownership.1 Here are five of the most common myths I’ve heard.
Read Article