Mortgage Specials to Help You MOVE Right In!

If you have been waiting for the “right time” to buy, build, refinance, or renovate your home, we can help you get started today!

United Community Banks has been serving our communities for generations, and we would love to show you why we're known as our region's Leading Mortgage Lender.

Visit with us today to find out if you're eligible for exclusive, limited- time offers (click each link below for additional offer details and contact us today to learn more):

Home Equity Special

Looking to renovate, take a vacation, or consolidate bills?  Ask us about our Home Equity Line of Credit Special featuring a low introductory rate for six months with reduced closing costs*!

*This Home Equity Line of Credit offer is subject to credit approval and valid for applications received on or before August 31, 2024. Offer only applies to borrower's primary residence. Loan not to exceed $1,000,000. The origination fee, credit report fee, flood determination fee, and flood monitoring fee, if applicable, will be waived. Borrower must pay the following closing costs which will vary based on requested credit limit and property location: appraisal/AVM fee, title fees, recording fee(s), tax servicing fee, and any other fees required by the state where the secured property is located. Based on a $30,000 approved credit limit, estimated closing costs range from $500 to $2,000. Borrower must maintain adequate property, title, and flood insurance, if applicable. An annual fee of $24 will be assessed after the first year. Consult a tax advisor regarding tax deductibility. An Introductory Annual Percentage Rate (APR) of 5.99%, which assumes an outstanding balance of $30,000, will remain fixed for six months and will vary thereafter. The variable APR will be indexed to the Prime Rate as published in the Wall Street Journal (8.50% as of 1/4/24) plus a margin of 1% and is subject to change on the first day of each monthly statement period. The current non-introductory APR based on the current index would be 9.50%. Rate will not exceed 18% nor fall below 4.75%.

Ready to Build?  Check out our Construction Loan Special!

8.223% APR* (Annual Percentage Rate) for 12 Months

6.99% Interest Rate for 12 Months

*This Construction Loan offer is subject to credit approval and valid for applications received on or before August 31, 2024. Loan not to exceed $1,000,000. The 8.223% Annual Percentage Rate (APR) is for customers who commit to refinancing the construction loan into permanent financing with UCB Banks, have a UCB Banks checking account, and is based on a $500,000 loan amount. Amount financed not to exceed the current conforming mortgage loan maximum ($766,550 as of 1/1/24). Borrowers may be asked to pay other third-party fees associated with the construction loan. A construction loan is a 12-month interim financing loan used to finance the building process of primary residential properties only. Interest payments may be due during the interim financing period; however, principal and interest are due at loan maturity. When your home is approximately 30 days from completion, contact your construction loan officer about your permanent financing options. Extension or renewal rates may vary thereafter.

Please call or better yet, stop by any of our locations at your convenience. We look forward to the opportunity to be your mortgage lender and hope to see you soon!