Who do I contact if I have questions about my personal loan?

<p>Stop by one of our <a href="/locations/" target="_blank">locations near you</a> to speak with a loan officer or use our <a href="/personal-banking/mortgage/#contact" target="_self">locator tool to find a mortgage loan officer</a>.</p> <p>If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).</p>

Home Construction & Renovation Loans

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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.

Construction-to-Permanent Loan

If you’re looking to finance the construction of your new home, a construction-to-permanent loan from United Community allows you to build your future with less worry—and less closing costs.

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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.

Manage Your Build

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

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.

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 Your Local Lender

Angie Abston

VP - Mortgage Loan Originator

(865) 271-1618 Email

NMLS# 773860

Tammy Acker

Mortgage Loan Originator

727-409-2847 Email

NMLS# 324771

Bob Alman

Mortgage Loan Originator

(678) 714-4385 Email

NMLS# 1178975

Jennifer Badger

Mortgage Loan Originator

828-835-4618 Email

NMLS# 473785

Susan Barkley

VP - Mortgage Loan Originator

(678) 989-3635 Email

NMLS# 527473

Craig Bland

Mortgage Loan Originator

984-867-8426 Email

NMLS# 1687090

Jason Blodgett

VP - Mortgage Loan Originator

(864) 591-5248 Email

NMLS# 723213

Bailey Boshers

Mortgage Loan Originator

(931) 797-9250 Email

NMLS# 1833461

Paula Buckles

Mortgage Loan Originator

(864) 646-2106 Email

NMLS# 546299

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Learning Resources

Expected Fed Rate Cut and What It Means for Your Mortgage

When the Fed meets in mid-September, we're expecting to see a rate cut (.25%-.5%, depending on who you ask). The expected cut would have the biggest impact on short-term rates or rates that fluctuate, like credit card rates.

Read Article

couple making renovation plans in their home

4 Ways to Finance Your Home Renovation

House projects are big decisions, especially when they come with a big expense. But they’re worth the investment—whether you’re renovating to add value to your home before you sell or to make yourself happier in the space.

Read Article

Rent vs. Buy: Pros and Cons

Deciding whether renting or buying is the best fit for you? Let's take a look at the pros and cons of renting verses buying a house.

Read Article

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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.