![happy family playing in home](https://www.ucbi.com/getmedia/d8cb765d-bc3f-490e-9d31-02b1c8ecab41/family-at-home.jpg)
Mortgage Refinance Options
Apply NowRethink your monthly mortgage payment.
Whether you’re looking to cash in on your home’s equity, adjust your payoff timeline, or rethink your monthly payment, we’re here for you. Our individualized approach to lending means we get to know you and your unique situation to find the perfect home loan solution for your personal financial goals. Call 1-800-914-8224 to connect with a local lender and get started today.Find your fit below.
Cash-Out Refinance
Rate Term Refinance
Fixed and Adjustable Rate Mortgages
Renovation Loan
Jumbo Loans
VA Mortgage Loan
Physician Mortgage
![man working on his home with a home equity loan](https://www.ucbi.com/getmedia/b9a99197-b9b4-444a-8df0-8f785835f80f/Home_Renovation_GettyImages-1425248159.jpg)
Not Ready to Refinance?
Try Leveraging Your Home's Equity.
Sometimes it's just not the right time to refinance. Your home could still lend you a hand without you having to refinance your home. Consider a Home Equity Line of Credit (HELOC) or a Home Equity Loan. It might just be the solution you're looking for.
Does mortgage refinancing make sense for you?
Find Your Local Lender
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Frequently Asked Questions
With a cash-out refinance, the amount of your loan and your monthly payments will go up, but the interest rate on the cash you take out may be lower than other alternatives.
To learn more, check out this article: How Does a Cash-Out Refi Work?
A HELoan is a second mortgage that usually has a fixed interest rate and monthly payments of the same amount every month. A HELOC works more like a credit card, but the interest rate is typically lower than a credit card.
You have a maximum amount you can borrow as needed. HELOCs usually have a variable interest rate and monthly payments that may go up or down.
Take a closer look at the differences: Should You Consider a HELOC or HELoan?
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).
- Get a lower interest rate
- Eliminate the expense of Private Mortgage Insurance (PMI)
Get Seven Tips for Improving Your Credit Score.
Keep in mind that when you refinance, you’ll likely need to cover the cost of closing costs and fees.
Learn more about HELOCs and HELoans: Should You Consider a HELOC or HELoan?
Ask your mortgage lender about your options.
- Lower your interest rate
- Reduce your monthly payments
- Shorten your loan term
- Covering unexpected financial challenges
- Dealing with emergencies and medical expenses
- Facilitating major life changes like getting married, starting a family or caring for aging parents
- Consolidating higher-rate credit card debt
Didn't find what you are looking for? View All FAQs or Contact Us
Learning Resources
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Not all borrowers will qualify. This is not a commitment to lend. Benefits listed may not apply to every borrower.
2ARM 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.