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.

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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

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.

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.

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.

Find Your Local Lender

TJ Love

Mortgage Originator

(843) 839-1830 Email

Ali Fletcher

AVP, Mortgage Loan Originator

(404) 326-9964 Email

Betsy Kelly

Mortgage Originator

(706) 697-7323 Email

Carolyn Swanner

VP, Mortgage Originator

(828) 698-5684 Email

Cindy Stone

VP, Mortgage Originator

(706) 632-4506 Email

Courtney Johnston

VP, Mortgage Loan Originator

(423) 339-5464 Email

David Jolly

Mortgage Originator

(404) 483-5729 Email

David Turner

VP, Mortgage Originator

(678) 567-2000 Email

Donna Robertson

AVP, Mortgage Loan Originator

(770) 995-3830 Email

Doug Schoonmaker

VP, Mortgage Originator/Area Sales Manager

(919) 656-0822 Email

Dwight Fortenberry

Mortgage Originator

(864) 221-7426 Email

Jason Blodgett

VP, Mortgage Originator

(864) 591-5248 Email

Jennifer Badger

Mortgage Originator

(828) 837-9291 Email

Jenny Keenan

VP, Mortgage Originator/Regional Sales Manager

(770) 338-7657 Email

Scott Sharp

AVP, Mortgage Loan Originator

(706) 697-7340 Email

Kara Nungesser

AVP, Mortgage Loan Originator

(843) 276-7283 Email

Keith Hill

Mortgage Originator

(919) 961-6465 Email

Tulea Price

Mortgage Originator

(828) 454-7257 Email

Tom Wilson

VP, Mortgage Loan Originator

(865) 680-4394 Email

Lisa Mericle

VP, Mortgage Originator

(912) 634-7014 Email

Tabitha Helms

VP, Mortgage Originator

(706) 234-5800 Email

Susan Visi

Mortgage Loan Originator

(706) 865-3151 Email

Lisa Pittman

VP, Mortgage Originator

(828) 733-9281 Email

Susan Barkley

VP, Mortgage Originator

(678) 989-3635 Email

Scott Nation

VP, Mortgage Originator/Regional Sales Manager

(770) 877-7985 Email

Ryan Hulton

VP, Mortgage Originator/Regional Sales Manager

(423) 339-5465 Email

Roseanne Smith

VP, Mortgage Originator

(770) 794-3450 Email

Mark North

VP, Mortgage Loan Originator

(912) 291-4413 Email

Kitty Mauzy

AVP, Mortgage Loan Originator

(706) 439-2185 Email

Renee Burgess

VP, Mortgage Originator

(706) 253-9393 Email

Paula Buckles

Mortgage Loan Originator

(864) 646-2106 Email

Paul Secondi

AVP, Mortgage Loan Originator

(770) 833-9726 Email

Mikell Richards

VP, Mortgage Originator/Regional Sales Manager

(843) 800-6042 Email

Terry Bradley

Mortgage Originator

(704) 916-6314 Email

Jim Hanrahan

Mortgage Originator

(843) 513-1986 Email

Ryan Smith

VP, Mortgage Originator

(919) 601-3780 Email

Blake McPherson

Mortgage Loan Originator

(423) 339-5466 Email

Matt Burns

Mortgage Originator

(843) 839-6589 Email

John Hagler

Mortgage Loan Officer

(704) 916-6318 Email

Bob Alman

Mortgage Loan Originator

(678) 714-4385 Email

Kim Witte

VP, Mortgage Loan Originator

(404) 906-4553 Email

Angie Abston

VP, Mortgage Originator

(865) 271-1618 Email

Dan Hegeman

Mortgage Originator

(984) 867-8438 Email

Patti Peterson

VP, Mortgage Loan Originator

(828) 682-5126 Email

Kim Walker

VP, Mortgage Originator

(706) 439-2164 Email

Bart Poynor

Mortgage Originator

(919) 235-7525 Email

Kathy McClure

Mortgage Loan Originator

(706) 212-2462 Email

Beth Cunningham

Mortgage Loan Originator

(919) 368-5107 Email

Andrew Young

VP, Consumer Direct Manager

(704) 916-6312 Email

Jennine Hunter

AVP, Mortgage Loan Originator

(317) 529-5393 Email

Derek Berry

AVP, Senior Mortgage Loan Originator

(863) 581-6603 Email

Bailey Boshers

Mortgage Loan Originator

(931) 797-9250 Email

Anna Robison

Mortgage Loan Originator

(615) 512-3060 Email

Marie Spafford

Mortgage Loan Originator

(615) 202-6016 Email

Jamie Pimentel

Mortgage Services - Area Sales Manager

(864) 250-6086 Email

Clint Hickox

Mortgage Loan Originator

904-860-0605 Email

Eric Dunlap

Mortgage Loan Originator

(770) 978-5389 Email

Kevin Bennett

Mortgage Loan Originator

(470) 900-6644 Email

Shane Furr

Mortgage Loan Originator

(980) 521-6318 Email

Kelvin Goodwin

Mortgage Loan Originator

(404) 454-7805 Email

Ginny B. Terry

Mortgage Loan Originator

(256) 319-3624 Email

Woody Woodfin

SVP, Regional Sales Manager

(205) 705-1605 Email

Mallory Murphy

Mortgage Loan Originator

(256) 712-3205 Email

Steve Ledford

Mortgage Loan Originator

863-581-7097 Email

Josh Morrow

Mortgage Loan Originator

(704) 916-6324 Email

Jeff Burgess

Mortgage Loan Originator

(984) 867-8424 Email

Erica Smith

Mortgage Loan Originator

(205) 393-9425 Email

Matt Meissner

Mortgage Area Sales Manager

(205) 886-5251 Email

Joy Hutsell-Banks

VP, Mortgage Originator

865-458-7011 Email

Bobby Matthews, Jr.

VP, Regional Sales Manager

615-425-4367 Email

Nick Morrone

Mortgage Loan Originator

678-367-1059 Email

Christine Muldoon

Mortgage Loan Originator

864-255-4705 Email

Katie Beam

Mortgage Loan Originator

678-342-6034 Email

Russell Carmichael

Mortgage Loan Originator

256-319-4909 Email

Monica Harron

LOA

743-333-5612 Email

Bryan Segers

Mortgage Loan Originator

704-430-0198 Email

Learning Resources

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

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

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

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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.