Home Loans and Mortgages
Apply NowHome Loans and Mortgages
The housing market can be intimidating, but that doesn’t mean your mortgage should be. With flexible loan programs and terms that fit whatever home you’re looking for, we can work together to find the right solution for your home-buying needs. Call 1-800-914-8224 to connect with a local lender and get started today.
Pick Your Home Loan Journey:
First-Time Homebuyer
Start TodayBuying a Home
Start TodayRefinancing Options
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Why choose United for your home mortgage?
When you have questions, our team is here to answer your call and walk you through every step of the process. We have a wide array of products designed just for you. You’ll also have the benefit of:
- Digital application
- Online mortgage payments
- Large selection of mortgage products
- United Signature Checking Account1
- Employees committed to customer service
- .25% discount when you use auto-pay on certain loan products
- Competitive rates and closing costs
- Communication to keep you updated about your loan’s progress
Ready to get started?
United's Mortgage Interest Rates
So many factors go into your mortgage interest rate – your credit score, employment, the loan term and product you choose, the amount of debt you’re carrying, etc. We want to make sure your rate matches your unique financial situation. That’s why we spend time getting to know you and your long and short-term goals before we create a customized rate quote for you.
We believe the first step toward superior customer service is setting realistic expectations. And that starts by quoting you a rate we know we can stand behind.3
Ready for your rate quote? Our team of expert mortgage lenders is ready to connect with you.
We believe the first step toward superior customer service is setting realistic expectations. And that starts by quoting you a rate we know we can stand behind.3
Ready for your rate quote? Our team of expert mortgage lenders is ready to connect with you.
Try our Home Loan Calculators
Consider your options with our mortgage calculators to understand your current financial state. Calculators are for informational purposes only and are not considered a rate quote or commitment to lend.
Specific Loan Options
Fixed and Adjustable Rate Mortgages
Jumbo Loans
VA Mortgage Loans
PATH Loan
Physician Mortgage
Find your local mortgage lender.
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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.
Helpful Mortgage Resources
A Mortgage That Works For You
Give Your Credit Score a Boost
Home Buying for First Timers
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Avoid monthly service charge on United Signature Checking account by maintaining $15,000 minimum daily balance. You may also avoid the monthly service charge if you maintain $25,000 in combined consumer deposit balance(s) or maintain $50,000 in combined outstanding principal balances in consumer loan accounts owned and serviced by United Community Bank. Additionally, the monthly service charge may be avoided if the primary account holder for this account also maintains assets under management with United Community Advisory Services, or maintains a mortgage loan serviced by United Community Mortgage Services or our mortgage servicing provider on behalf of United. (Note: United Signature Checking, advisory services and third party serviced loans must all be reporting under the same tax identification number in order to qualify for service charge waiver.)
2 This is not a commitment to lend. Normal credit criteria apply. A prequalification generally means that we will pull your credit and collect some basic financial information from you (such as debt, income and assets) in order to give you a ballpark estimate of how much house you can afford. A prequalification is based on certain assumptions and it is not a guarantee to lend as there is a lot more information needed to actually approve you for a loan.
3 Rates offered are good only at the time offered. Mortgage interest rate is not guaranteed until rate is locked and then is guaranteed only for set lock period. Property address is required to lock rate.
This is not a commitment to lend. Normal credit criteria apply. Restrictions apply. Not all borrowers will qualify.
4 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.
