Fixed- and Adjustable-Rate Mortgages

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Fixed-rate

When you opt for a fixed rate mortgage, you’re choosing a loan with an interest rate that won’t change. You lock in a mortgage rate and you keep that rate for the life of the loan. That means you’ll consistently pay the same monthly mortgage for as long as you keep your home (that payment can fluctuate slightly if the amount you pay in taxes or insurance changes).

Common terms for a fixed-rate mortgage are 15- and 30-years.

Adjustable-rate

Choosing an Adjustable Rate Mortgage (ARM)¹ means your loan will start out with the rate you lock in at the beginning of your loan process. You choose an initial fixed rate period (usually 5, 7 or 10 years) during which you’re charged the interest rate you locked. After that initial fixed rate period, your rate adjusts every six months according to the market, but typically has a max rate cap. That means after the fixed rate period ends, your monthly mortgage payment can fluctuate every six months.

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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.

Have a question about an existing home loan? Call 1-800-UCBANK1 (1-800-822-2651) and choose Option 6 to connect directly with our loan servicing experts.

Find a Mortgage Lender in Your Area

Ali Cook

AVP, Mortgage Loan Originator

770-631-6251 Email

NMLS# 1769112

Betsy Kelly

Mortgage Loan Originator

(706) 697-7323 Email

NMLS# 1451484

Carolyn Swanner

VP - Mortgage Loan Originator

828-697-3469 Email

NMLS# 643804

Cindy Stone

VP - Mortgage Loan Originator

(706) 632-4506 Email

NMLS# 1216150

Courtney Johnston

VP - Mortgage Loan Originator

(423) 339-5464 Email

NMLS# 1450800

David Jolly

AVP - Mortgage Loan Originator

(404) 483-5729 Email

NMLS# 395787

David Turner

VP - Mortgage Loan Originator

(678) 567-2000 Email

NMLS# 546621

Donna Robertson

AVP - Mortgage Loan Originator

(770) 995-3830 Email

NMLS# 1715410

Dwight Fortenberry

Mortgage Loan Originator

864-644-0264 Email

NMLS# 723229

Gwenn Lanning

VP - Mortgage Loan Originator

(828) 862-5235 Email

NMLS# 643797

Jason Blodgett

VP - Mortgage Loan Originator

(864) 591-5248 Email

NMLS# 723213

Jennifer Badger

Mortgage Loan Originator

828-835-4618 Email

NMLS# 473785

Jenny Keenan

VP - UCMS Regional Sales Manager

(770) 338-7657 Email

NMLS# 916287

Kara Nungesser

AVP - Mortgage Loan Originator

843-800-6054 Email

NMLS# 1714906

Lisa Mericle

VP - Mortgage Loan Originator

(912) 634-7014 Email

NMLS# 527465

Tabitha Helms

VP - Mortgage Originator

706-236-3792 Email

NMLS# 527461

Susan Visi

VP - Mortgage Loan Originator

(706) 865-3151 Email

NMLS# 792258

Lisa Pittman

VP - Mortgage Loan Originator

828-737-5446 Email

NMLS# 767051

Susan Barkley

VP - Mortgage Loan Originator

(678) 989-3635 Email

NMLS# 527473

Scott Nation

VP - UCMS Regional Sales Manager

(770) 877-7985 Email

NMLS# 546490

Ryan Hulton

VP - UCMS Mortgage Area Sales Manager

(423) 339-5465 Email

NMLS# 523081

Roseanne Smith

VP - Mortgage Loan Originator

(770) 794-3450 Email

NMLS# 464057

Kitty Mauzy

AVP - Mortgage Loan Originator

(706) 439-2185 Email

NMLS# 512515

Renee Burgess

VP - Mortgage Loan Originator

706-299-5711 Email

NMLS# 501421

Paula Buckles

Mortgage Loan Originator

(864) 646-2106 Email

NMLS# 546299

Paul Secondi

AVP - Mortgage Loan Originator

770-442-6644 Email

NMLS# 55233

Mikell Richards

VP - UCMS Regional Sales Manager

(843) 800-6042 Email

NMLS# 607894

Ryan Smith

VP, Mortgage Originator

(919) 601-3780 Email

NMLS# 112493

Blake McPherson

Mortgage Loan Originator

(423) 339-5466 Email

NMLS# 1535320

Bob Alman

Mortgage Loan Originator

(678) 714-4385 Email

NMLS# 1178975

Kim Witte

VP - Mortgage Loan Originator

(404) 906-4553 Email

NMLS# 455507

Angie Abston

VP - Mortgage Loan Originator

(865) 271-1618 Email

NMLS# 773860

Patti Peterson

VP - Mortgage Loan Originator

(828) 682-5126 Email

NMLS# 759440

Bart Poynor

Mortgage Loan Originator

984-867-8412 Email

NMLS# 188427

Kathy McClure

Mortgage Loan Originator

706-212-2462 Email

NMLS# 486300

Beth Cunningham

Mortgage Loan Originator

(919) 368-5107 Email

NMLS# 193234

Jennine Hunter

CRA Mortgage Loan Originator

678-342-6029 Email

NMLS# 1780411

Bailey Boshers

Mortgage Loan Originator

(931) 797-9250 Email

NMLS# 1833461

Marie Spafford

VP - Mortgage Loan Originator

615-716-2464 Email

NMLS# 532523

Jamie Pimentel

VP - UCMS Mortgage Area Sales Manager

(864) 250-6086 Email

NMLS# 281439

Eric Dunlap

CRA Mortgage Loan Originator

(770) 978-5389 Email

NMLS# 1244238

Kevin Bennett

Mortgage Loan Originator

(470) 900-6644 Email

NMLS# 499232

Kelvin Goodwin

Mortgage Loan Originator

(404) 454-7805 Email

NMLS# 516216

Ginny B. Terry

Mortgage Loan Originator

(256) 319-3624 Email

NMLS# 686745

Woody Woodfin

SVP - UCMS Regional Sales Manager

205-705-1605 Email

NMLS# 457100

Steve Ledford

Mortgage Loan Originator

863-581-7097 Email

NMLS# 1370117

Jeff Burgess

Mortgage Loan Originator

(984) 867-8424 Email

NMLS# 68803

Erica Smith

Mortgage Loan Originator

205-747-3758 Email

NMLS# 2316979

Matt Meissner

Mortgage Sales Supervisor

205-886-5251 Email

NMLS# 262525

Joy Hutsell-Banks

VP- Mortgage Loan Originator

865-458-7011 Email

NMLS# 603159

Bobby Matthews, Jr.

VP - Regional Sales Manager

615-425-4367 Email

NMLS# 1130741

Nick Morrone

Mortgage Loan Originator

678-367-1059 Email

NMLS# 1795139

Russell Carmichael

Mortgage Loan Originator

256-319-4909 Email

NMLS# 1492025

Bryan Segers

Mortgage Loan Originator

704-430-0198 Email

NMLS# 1715257

Craig Bland

Mortgage Loan Originator

984-867-8426 Email

NMLS# 1687090

Brianna Grizzle

Mortgage Loan Originator

770-877-7987 Email

NMLS# 1974720

Michael Dietz

UCMS Regional Sales Manager

813-574-8317 Email

NMLS# 853773

Adam Kirby

Mortgage Loan Originator

336-382-3487 Email

NMLS# 545555

Tammy Acker

Mortgage Loan Originator

727-409-2847 Email

NMLS# 324771

Sherry Griggers

Mortgage Loan Originator

251-930-5233 Email

NMLS# 1562796

Jose Moreno

Mortgage Loan Originator

941-504-4994 Email

NMLS# 561490

Luke Daniels

Mortgage Loan Originator

NMLS# 459826

Jeff Sanderlin

Mortgage Loan Originator

615-221-9116 Email

NMLS# 1971061

Robert McCommons

Mortgage Loan Originator

919-522-7144 Email

NMLS# 114362

Looking for another option?

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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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.

Learn More

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.
²Terms listed apply to primary homes only. Restrictions apply. Not all borrowers will qualify. This is not a commitment to lend.