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Home Construction & Renovation Loans

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Home Construction & Renovation Loans

The home you're dreaming of starts here.

Whether you’re renovating your current home or building a new one, we can help you find the best loan for you. With United, you have access to fixed-rate, conventional construction-to-permanent financing, along with construction-only jumbo loan options. Call 1-800-914-8224 to connect with a local lender and get started today.

More resources to get you started:


Construction and Renovation

If she said the shed needs to be built, like, tomorrow or if your family has outgrown your current space, we can help you get the loan you need.
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Homestyle® Renovation

This renovation option offers a more cost-effective way to renovate your home with low downpayment options, savings, and flexible sources of funds.
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Manage Your Build

Get updates on your construction project and request draws 24/7 with our secure digital United Construction Management System.
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Quick Reference Guide

Watch this quick video tutorial to learn how to access our United Construction Management System and request a draw.
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Frequently Asked Questions

You can use a home renovation loan to make your home more comfortable, add living space, or increase its value. Common renovations are remodeling kitchens and bathrooms, upgrading windows and doors, adding outdoor decks or pools, and finishing an attic or basement.

Take a look at 5 home improvement projects that pay off.
 
New home construction loans are available to qualified borrowers who are building instead of buying. They usually have a shorter term and a higher interest rate than mortgages for existing homes. The term is typically one year, and the construction has to be finished in that timeframe.

To qualify for a home construction loan, you’ll need to provide a construction agreement, a detailed construction schedule, and a complete construction budget.

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

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. 
 

Find Your Local Lender

Angie Abston

VP, Mortgage Originator

Tammy Acker

Mortgage Loan Originator

Bob Alman

Mortgage Loan Originator

Jennifer Badger

Mortgage Originator

Susan Barkley

VP, Mortgage Originator

Kevin Bennett

Mortgage Loan Originator

Craig Bland

Mortgage Loan Originator

Jason Blodgett

VP, Mortgage Originator

Bailey Boshers

Mortgage Loan Originator

Paula Buckles

Mortgage Loan Originator

Renee Burgess

VP - Mortgage Loan Originator

Jeff Burgess

Mortgage Loan Originator

Matt Burns

Mortgage Originator

Russell Carmichael

Mortgage Loan Originator

Ali Cook

AVP, Mortgage Loan Originator

Beth Cunningham

Mortgage Loan Originator

Michael Dietz

Regional Sales Manager

Eric Dunlap

Mortgage Loan Originator

Cathy Edwards

Mortgage Loan Originator

Kelvin Goodwin

Mortgage Loan Originator

Sherry Griggers

Mortgage Loan Originator

Brianna Grizzle

Mortgage Loan Originator

Dan Hegeman

Mortgage Originator

Tabitha Helms

VP, Mortgage Originator

Ryan Hulton

VP, Mortgage Originator/Regional Sales Manager

Jennine Hunter

AVP, Mortgage Loan Originator

Joy Hutsell-Banks

VP, Mortgage Originator

Courtney Johnston

VP, Mortgage Loan Originator

David Jolly

Mortgage Originator

Jenny Keenan

VP, Mortgage Originator/Regional Sales Manager

Betsy Kelly

Mortgage Originator

Adam Kirby

Mortgage Loan Originator

Gwenn Lanning

VP, Mortgage Originator

Steve Ledford

Mortgage Loan Originator

Bobby Matthews, Jr.

VP, Regional Sales Manager

Kitty Mauzy

AVP, Mortgage Loan Originator

Kathy McClure

Mortgage Loan Originator

Blake McPherson

Mortgage Loan Originator

Matt Meissner

Mortgage Area Sales Manager

Lisa Mericle

VP, Mortgage Originator

Jose Moreno

Mortgage Loan Originator

Nick Morrone

Mortgage Loan Originator

Scott Nation

VP, Mortgage Originator/Regional Sales Manager

Kara Nungesser

AVP, Mortgage Loan Originator

Patti Peterson

VP, Mortgage Loan Originator

Jamie Pimentel

Mortgage Services - Area Sales Manager

Lisa Pittman

VP, Mortgage Originator

Bart Poynor

Mortgage Originator

Fiorella Rastelli

Mortgage Loan Originator

Mikell Richards

VP, Mortgage Originator/Regional Sales Manager

Donna Robertson

AVP, Mortgage Loan Originator

Anna Robison

Mortgage Loan Originator

Doug Schoonmaker

VP, Mortgage Originator/Area Sales Manager

Paul Secondi

AVP, Mortgage Loan Originator

Bryan Segers

Mortgage Loan Originator

Roseanne Smith

VP, Mortgage Originator

Ryan Smith

VP, Mortgage Originator

Erica Smith

Mortgage Loan Originator

Marie Spafford

Mortgage Loan Originator

Cindy Stone

VP, Mortgage Originator

Carolyn Swanner

VP, Mortgage Originator

Ginny B. Terry

Mortgage Loan Originator

David Turner

VP, Mortgage Originator

Susan Visi

Mortgage Loan Originator

Kim Witte

VP, Mortgage Loan Originator

Woody Woodfin

SVP, Regional Sales Manager

  1. Adjustable Rate Mortgage (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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