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    PATH Loans

    Home financing, built for our community.

    United Community's PATH (Possibilities Achieved through Homeownership) loan is designed to give more people the opportunity to become homeowners. It's a no-down-payment, fixed-rate home financing option with no mortgage insurance requirement that you'll only find at United.1

    PATH Loan Overview

    • 100% financing up to $500,000
    • Minimum 640 FICO
    • 30-year fixed-rate mortgage
    • For purchase of owner occupied primary homes only
    • No mortgage insurance required
    • No maximum income restrictions for properties located in:
      • Low- or moderate-income-level census tracts
      • Census tracts with greater than 49% minority population
    • No census tract requirement for borrowers earning less than 80% of the MSA median income

    Ready to get started?

    Begin your secure application now.

    Find out how these new financing options can benefit you. 
    Connect with your local lender today!

    Call or text 919-601-3780 to get started.

    Meet our mortgage expert.

    If you’re interested in learning more about home financing, please reach out to United Mortgage Loan Originator Ryan Smith.
    Ryan Smith

    VP, Mortgage Originator

    Learning Resources

    couple with new home A Mortgage That Works For You
    Just because you can doesn’t mean you should. It’s a lesson that applies to so many things—including buying a home. Just because you’re approved for a certain loan amount, that doesn’t mean you should spend that much on a home.
    Read Article
    couple checking credit score in home Give Your Credit Score a Boost
    Good credit plays a key role in your finances. Increasing your score can come with a number of benefit.When it comes to buying a home, having access to more mortgage options means you can find the one with the best interest rate, term, and down payment requirement for your unique financial situation.
    Read Article
    couple happy buying their first home Home Buying for First Timers
    For first timers, buying a home can be intimidating. That doesn’t mean your mortgage should be. United is here to walk you through the entire home-buying process, from application to closing and everything in between.
    Read Article
    1. Restrictions apply. Not all borrowers will qualify. PATH loan geographic eligibility is restricted to the states where United Community is located and for qualified assessment areas within each state. Certain property types are ineligible. Other restrictions may apply.

      Mortgage products and services are offered by 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). This is not a commitment to lend. Normal credit criteria apply. 

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