More Options to Get You Home

Dreaming of a new home? We know how to get you there.

It’s our goal to make homeownership possible for more people in our communities, so we’ve assembled a wide variety of loan options (and created some of our own) to offer mortgages for every stage of life and every financial situation.

Whether you’re a first-time homebuyer, moving up, or downsizing, we’re here to match you to the mortgage that will get you home—and our team of experts will walk you through every step of the process.

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Increase Your Net Worth x40

Did you know? The net worth of US homeowners is 40 times more than renters. A 2019 Federal Reserve study found that renters had a net worth of just $6,300 versus $255,000 for homeowners. Buying a home is a great way to start building your net worth—and to lay the foundation of generational wealth for your children.

How’s that possible?

Down Payment and Other Assistance

A common myth about buying a home is that you’ll need a 20% down payment. But that’s not the case—and whether you’ve got 15%, 3%, or nothing saved, we have loan options that can make homeownership possible for you.

Ask our mortgage experts about our low- and no-down-payment options, down payment assistance programs, and other offers like a 2-1 buydown or extended rate lock.

Connect with a Mortgage Expert Down Payment Assistance

Home Loan Options for Every Buyer

No matter what kind of homebuyer you are, how much you’ve saved for a down payment, or how good (or not so good) your credit is, we’ll work with you to find the loan option that’s best for you. We have a wide variety of loan and assistance options, and our experts are here to find the best fit for your financial situation.

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Need to Improve Your Credit?

Good credit plays a key role in your finances, and increasing your score before buying a home can give you access to lower interest rates and help you qualify for more loan options.

Strategies to Boost Your Credit Score

Ready to get started?

Begin your secure application now.

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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.

Learning Resources

for rent sign in front of a rental property

How to Build Wealth through Real Estate

Real estate has long been recognized as a solid investment strategy, offering both stability and potential for significant returns. If you are interested in creating a valuable, diversified portfolio, here are a few options to consider if you’re interested.

Read Article

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 shaking hands with their mortgage lender

Which is more important, Rate or APR?

When you start shopping for a new mortgage, there are two numbers you'll want to take a look at: the interest rate the lender is offering, and the annual percentage rate, or APR, that will come with that home loan.

Read Article

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Restrictions apply. Not all borrowers will qualify. PATH loan geographic eligibility is restricted to the states where United Community is located and for qualified assessment areas within each state. Certain property types are ineligible. Other restrictions may apply.

Mortgage products and services are offered by 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). This is not a commitment to lend. Normal credit criteria apply.