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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.
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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

ARM vs. Fixed Rate: Which mortgage is right for me?

By United Community Mortgage Services

When you start shopping for a mortgage, you’re going to run into two rate options: fixed and adjustable rate.1 So, how do you know which one is right for you?2

The first step is understanding the difference between the two.
 
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New refinancing options for low-income borrowers

By United Community Mortgage Services

Fannie Mae and Freddie Mac are rolling out new refinance options for borrowers with incomes at or below 80% of the area median income. If your mortgage is owned or guaranteed by either Fannie Mae or Freddie Mac, you may be eligible to refinance your mortgage using these new refinance options. Read on to learn more about these new products.
 
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Lock in your rate

By United Community Mortgage Services

When it comes to your mortgage, your interest rate is a key piece to the puzzle. That’s the number that will dictate how much you pay to borrow the money that will be used to finance your home. Read more to learn how to "lock in" your interest rate. 

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