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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.

    Connect with a local lender.

    Fill out the form below or call 1-800-914-8224 to get in contact with the Mortgage Services team. 

    Learning Resources

    Couple who bought their first home Make Buying a Home More Affordable
    When interest rates rise, your home-buying budget goes down. That’s because more of your monthly payment is going toward paying interest instead of paying down the money you borrowed. But there are ways to make homeownership more affordable so that you can buy the home of your dreams.
    Read Article
    new home construction FAQs about United Community Mortgage’s Construction-to-Permanent and Construction-Only Loan Products
    Financing a new home build might be something you’ve never done before. At United, we’re committed to making sure you know what to expect every step of the way. That’s why we put together this guide to help you navigate the process.
    Read Article
    woman moving and petting dog You can buy a home without putting 20% down

    You don’t need 20% down to buy a home. You read that right—the down payment requirement is one of the most common misconceptions when it comes to getting a mortgage, and you don’t actually need to wait until you’ve saved up a 20% down payment to buy a home.

    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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