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    Mortgage Refinance Options

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    Rethink your monthly mortgage payment.

    Whether you’re looking to cash in on your home’s equity, adjust your payoff timeline, or rethink your monthly payment, we’re here for you. Our individualized approach to lending means we get to know you and your unique situation to find the perfect home loan solution for your personal financial goals. Call 1-800-914-8224 to connect with a local lender and get started today.
     

    Find your fit below.

    Cash-Out Refinance

    When you choose a cash-out refinance, you replace your current home loan with a new mortgage for more than you owe on your home. At closing, you receive the difference in cash. This type of refinancing allows homeowners to access equity built in their property. It's a way to utilize the value of your home for various financial needs or investments.
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    Rate Term Refinance

    When you choose a rate/term refinance, you’re replacing your current home loan with a new mortgage that has a different interest rate or term (length of loan).
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    Fixed and Adjustable Rate Mortgages

    Who has ARMs, legs and the fixed-rate mortgages that fit your needs? We do, of course. Popular for buying or refinancing, our fixed and adjustable rate mortgage options come in varying term lengths and can fit whatever square footage you're looking to move into.4
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    Renovation Loan

    If she said the she-shed needs to be built, like, tomorrow or if you've simply outgrown your space, we can help you get the loan you need. United’s benefits include fixed or ARM rate conventional and jumbo loan options. You can lock your interest rate in upfront, and even lower it to meet a better rate at final closing.
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    Jumbo Loans

    We offer higher-than-conventional loan limit options for those dreaming BIG. Whether you are buying, refinancing or finally adding that movie theater room, we have the fixed-rate and ARM options to fit your unique needs.
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    VA Mortgage Loan

    You have served us, so let us to support you. For all past and present military members, and surviving spouses who are looking for help with buying a new home, we can assist you with a VA Mortgage Loan. Take advantage of potentially no down payments or mortgage insurance, low fixed rates and various repayment options.
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    Physician Mortgage

    For licensed physicians and doctors, we’ve designed a unique lending program just for you. Special rates are available for licensed physicians, fellows, interns, residents and dentists. This program is available for purchases or refinances with no down payment options, are ARM programs and do not require any private mortgage insurance.
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    Frequently Asked Questions

    With a cash-out refinance, you can turn your home equity into cash for any purpose, not just home improvements. Common reasons for a cash-out refinance are consolidating higher-interest credit card debt at a lower interest rate and paying for higher education.

    With a cash-out refinance, the amount of your loan and your monthly payments will go up, but the interest rate on the cash you take out may be lower than other alternatives.

    To learn more, check out this article: How Does a Cash-Out Refi Work?
     
    You don’t. There are two other options: a home equity loan (HELoan) and a home equity line of credit (HELOC).

    A HELoan is a second mortgage that usually has a fixed interest rate and monthly payments of the same amount every month. A HELOC works more like a credit card, but the interest rate is typically lower than a credit card.

    You have a maximum amount you can borrow as needed. HELOCs usually have a variable interest rate and monthly payments that may go up or down.

    Take a closer look at the differences: Should You Consider a HELOC or HELoan?
    After you apply for a loan, your mortgage loan originator will ask if you want to lock in your interest rate. It’s a lender’s guarantee that your interest rate won’t change for a certain period of time, even if market rates go up. The lock is a holding period designed to last throughout the mortgage process and closing day.

    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).

    Didn't find what you are looking for? View All FAQs or Contact Us

    Find Your Local Lender

    TJ Love

    Mortgage Originator

    Ali Fletcher

    AVP, Mortgage Loan Originator

    Betsy Kelly

    Mortgage Originator

    Carolyn Swanner

    VP, Mortgage Originator

    Cindy Stone

    VP, Mortgage Originator

    Courtney Johnston

    VP, Mortgage Loan Originator

    David Jolly

    Mortgage Originator

    David Turner

    VP, Mortgage Originator

    Donna Robertson

    AVP, Mortgage Loan Originator

    Doug Schoonmaker

    VP, Mortgage Originator/Area Sales Manager

    Gwenn Lanning

    VP, Mortgage Originator

    Jason Blodgett

    VP, Mortgage Originator

    Jennifer Badger

    Mortgage Originator

    Jenny Keenan

    VP, Mortgage Originator/Regional Sales Manager

    Scott Sharp

    AVP, Mortgage Loan Originator

    Kara Nungesser

    AVP, Mortgage Loan Originator

    Tulea Price

    Mortgage Originator

    Lisa Mericle

    VP, Mortgage Originator

    Tabitha Helms

    VP, Mortgage Originator

    Susan Visi

    Mortgage Loan Originator

    Lisa Pittman

    VP, Mortgage Originator

    Susan Barkley

    VP, Mortgage Originator

    Scott Nation

    VP, Mortgage Originator/Regional Sales Manager

    Ryan Hulton

    VP, Mortgage Originator/Regional Sales Manager

    Roseanne Smith

    VP, Mortgage Originator

    Kitty Mauzy

    AVP, Mortgage Loan Originator

    Renee Burgess

    VP, Mortgage Originator

    Paula Buckles

    Mortgage Loan Originator

    Paul Secondi

    AVP, Mortgage Loan Originator

    Mikell Richards

    VP, Mortgage Originator/Regional Sales Manager

    Jim Hanrahan

    Mortgage Originator

    Ryan Smith

    VP, Mortgage Originator

    Blake McPherson

    Mortgage Loan Originator

    Matt Burns

    Mortgage Originator

    Bob Alman

    Mortgage Loan Originator

    Kim Witte

    VP, Mortgage Loan Originator

    Angie Abston

    VP, Mortgage Originator

    Dan Hegeman

    Mortgage Originator

    Patti Peterson

    VP, Mortgage Loan Originator

    Bart Poynor

    Mortgage Originator

    Kathy McClure

    Mortgage Loan Originator

    Beth Cunningham

    Mortgage Loan Originator

    Jennine Hunter

    AVP, Mortgage Loan Originator

    Bailey Boshers

    Mortgage Loan Originator

    Anna Robison

    Mortgage Loan Originator

    Marie Spafford

    Mortgage Loan Originator

    Jamie Pimentel

    Mortgage Services - Area Sales Manager

    Eric Dunlap

    Mortgage Loan Originator

    Kevin Bennett

    Mortgage Loan Originator

    Kelvin Goodwin

    Mortgage Loan Originator

    Ginny B. Terry

    Mortgage Loan Originator

    Woody Woodfin

    SVP, Regional Sales Manager

    Steve Ledford

    Mortgage Loan Originator

    Jeff Burgess

    Mortgage Loan Originator

    Erica Smith

    Mortgage Loan Originator

    Matt Meissner

    Mortgage Area Sales Manager

    Joy Hutsell-Banks

    VP, Mortgage Originator

    Bobby Matthews, Jr.

    VP, Regional Sales Manager

    Nick Morrone

    Mortgage Loan Originator

    Russell Carmichael

    Mortgage Loan Originator

    Bryan Segers

    Mortgage Loan Originator

    Craig Bland

    Mortgage Loan Originator

    Vanessa McKenzie

    Mortgage Loan Originator

    Brianna Grizzle

    Mortgage Loan Originator

    Cathy Edwards

    Mortgage Loan Originator

    Fiorella Rastelli

    Mortgage Loan Originator

    man working on his home with a home equity loan

    Not Ready to Refinance?

    Try Leveraging Your Home's Equity.

    Sometimes it's just not the right time to refinance. Your home could still lend you a hand without you having to refinance your home. Consider a Home Equity Line of Credit (HELOC) or a Home Equity Loan. It might just be the solution you're looking for. 

    Learning Resources

    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
    Home Renovation How to Get a Line of Credit or Loan
    Loans and lines of credit can be a good way to finance the bigger expenses in life like a car, home, or college education. Get an idea of what the process is like to begin it well prepared.  
    Read Article
    woman looking to refinance her home When It Makes Sense to Refinance Your Home
    Generally, people consider refinancing when interest rates are low to decrease their monthly payments or pay off their home faster. However, life circumstances and financial needs can sometimes outweigh the disadvantages of refinancing when interest rates are high. Let’s explore why someone might choose to refinance their home in such conditions.
    Read Article
    1. Not all borrowers will qualify. This is not a commitment to lend. Benefits listed may not apply to every borrower.
      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. 
      © 2023 United Community Bank | NMLS# 421841 | ucbi.com/mortgage | 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.

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