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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.
     

    Does mortgage refinancing make sense for you?

    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.

    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 Loans

    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, 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.
    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

    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

    Keith Hill

    Mortgage Originator

    Tulea Price

    Mortgage Originator

    Tom Wilson

    VP, Mortgage Loan 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

    Mark North

    VP, Mortgage Loan 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

    Terry Bradley

    Mortgage Originator

    Jim Hanrahan

    Mortgage Originator

    Ryan Smith

    VP, Mortgage Originator

    Blake McPherson

    Mortgage Loan Originator

    Matt Burns

    Mortgage Originator

    John Hagler

    Mortgage Loan Officer

    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

    Kim Walker

    VP, Mortgage Originator

    Bart Poynor

    Mortgage Originator

    Kathy McClure

    Mortgage Loan Originator

    Beth Cunningham

    Mortgage Loan Originator

    Andrew Young

    VP, Consumer Direct Manager

    Jennine Hunter

    AVP, Mortgage Loan Originator

    Derek Berry

    AVP, Senior 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

    Clint Hickox

    Mortgage Loan Originator

    Eric Dunlap

    Mortgage Loan Originator

    Kevin Bennett

    Mortgage Loan Originator

    Shane Furr

    Mortgage Loan Originator

    Kelvin Goodwin

    Mortgage Loan Originator

    Ginny B. Terry

    Mortgage Loan Originator

    Woody Woodfin

    SVP, Regional Sales Manager

    Mallory Murphy

    Mortgage Loan Originator

    Steve Ledford

    Mortgage Loan Originator

    Josh Morrow

    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

    Christine Muldoon

    Mortgage Loan Originator

    Katie Beam

    Mortgage Loan Originator

    Russell Carmichael

    Mortgage Loan Originator

    Bryan Segers

    Mortgage Loan Originator

    Learning Resources

    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
    happy couple after buying a home How Homeownership Could Amplify Your Net Worth
    The net worth of US homeowners is 40 times more than renters. That’s according to a 2019 Federal Reserve study. It found renters had a net worth of just $6,300, versus $255,000 for homeowners. Continue reading to learn how homeownership could amplify your net worth.
    Read Article
    home design plans Hot Home Design Trends
    Figuring out your colors and finishes is one of the most challenging (and often intimidating) parts of starting a home renovation project. To help you narrow down your options, we’re sharing some recent home design trends.
    Read Article
    1. Not 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. 
      © 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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