Skip to main content

Home Construction & Renovation Loans

Apply Now

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.

Find Your Local Lender

Connect with a local home construction and renovation loan expert.

Preferred Contact Method:
Are you a current customer?
How can we help you?


Learning 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.

Read Article

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.

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.