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Mortgage Refinance Options

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Rethink your monthly mortgage payment.

Love your home, but not your interest rate and monthly payment? It may be time to refinance your mortgage. Taking advantage of the current rate environment and our Mortgage Loan Originators’ lending expertise could save you thousands of dollars over the life of your loan.

Whether you're hoping to lower your interest rate, 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.

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Does refinancing make sense for you?1

When it comes to refinancing your home, you typically have two options: a rate/term refinance or a cash-out refinance. So how do you know which one is right for you? The first step is understanding exactly what those terms mean. Learn how refinancing your home could work for you. Calculators are for informational purposes only and are not a commitment to lend.

 

Or try leveraging your home's equity.

Leveraging the equity in your home is a great way to borrow money at a secure, low rate. A Home Equity Line (HELOC) of Credit or Home Equity loan can help you pay for the next home project you've been dreaming of. Calculators are for informational purposes only and are not a commitment to lend.
 

Find your fit below.

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New Financing Options

RefiNowTMby Fannie Mae and Refi PossibleSMby Freddie Mac may be able to help you take back control of your monthly payments, freeing up extra cash each month to use for things like long-term savings, surprise expenses or other debt payments. 

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Fixed and Adjustable Rate Mortgages2

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.

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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 Loans

You have supported us, so please allow us to support you. For all past and present military members, and surviving spouses who are looking for help with buying a new home or refinancing to lower your interest rate, 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, we’ve designed a unique lending program just for you. Special rates are available for licensed physicians, fellows, interns, residents, dentists, oral surgeons, doctors of osteopathy and veterinarians. 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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Helpful Resources

What does a new conforming loan limit mean for you?

By United Community Mortgage Services

Well, that depends on a few things. It may mean you have additional buying power, or that it could make sense to refinance your current home loan. But before we get into how you could be affected by the 2023 conforming loan limit, let’s talk more about exactly what it is.
Read Article

Millennial Home Buying: Top 8 Frequently Asked Questions

By United Community Mortgage Services

Millennials are waiting longer than previous generations to buy a home, but it’s important to keep in mind that homeownership is one of the best ways to build wealth over time. We’ve collected the most common mortgage questions we hear from millennials to give you the answers you need to move forward.

 
Read Article

Medical Debt and Your Credit Score

By United Community Mortgage Services

If you’ve paid off debt that was in medical collections, we have exciting news for you: that cleared debt is no longer included on your mortgage credit report. 2023 will see even more changes. See what the changes could mean for you. 
 
Read Article

© 2022 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.

1Not all borrowers will qualify. This is not a commitment to lend. Benefits listed may not apply to every borrower.
2ARM 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.