Woman cuddling dog

Mortgage Services

Proud Participant of the ABA Foundation's Unlocking Homeownership Program



We know that this is one of life's biggest moments.

Choosing a new home can be stressful as well as exciting. The same goes for finding the right mortgage. The good news is that home loans are one of United Bank's specialties. We offer a lengthy menu of mortgage options for a wide variety of financial needs. Just as importantly, the experts in our Mortgage Division can answer all your questions and guide you to a loan that's a great fit for your new home.
bar graph icon illustration
Competitive Rates
house icon illustration
First-Time Homebuyer Programs
stack of coins icon illustration
Refinancing Opportunities
keys icon illustration
Easy Closing Process
FI building icon illustration
Serviced Locally 










Mortgage Loans

Mature friends greeting one another at the door

Conventional and Jumbo Loans

At United Bank, we offer mortgages for primary residences, vacation homes, investment properties and renovation projects.

  • Loans of 5, 10, 15, 20 or 30 years
  • Fixed-rate loans that feature stable monthly payments that won't change during the life of the loan
  • Adjustable-rate loans that offer lower rates for a set amount of time and then are adjusted periodically based on economic factors
  • Jumbo loans for mortgages of more than $806,500 on Georgia home purchases
Glasses atop documents at a desk

Government-Backed Loans

Though these loans are backed by the U.S. government, you'll work directly with United Bank professional lenders who can help you determine if you're eligible and walk you through the application process.

  • VA Loans with 100% financing, no Private Mortgage Insurance and other financial advantages are available for active duty military, veterans, reservists and some military spouses
  • USDA Loans with no down payments, flexible credit guidelines and other financial advantages are available to individuals who are purchasing homes in rural areas or certain suburbs
  • Federal Housing Administration (FHA) Loans come with down payments as low as 3.5% and flexible credit guidelines and are often a good fit for first-time homebuyers with low or modest incomes
couple sitting in kitchen

HomePossible® First-Time Homebuyer Programs 

United Bank participates in Freddie Mac's HomePossible® Mortgage program, specially designed for first-time homebuyers and low- and moderate-income borrowers. Freddie Mac is a federally chartered mortgage lender.

  • Funding for a variety of property types, including planned unit developments and manufactured homes
  • Down payments as low as 3%, based on loan amount (manufactured homes as low as 5%)
  • Credit scores as low as 620 may qualify
  • Primary residences only
  • New purchase or refinance (no cash out)
  • A non-occupant can be considered as a co-borrower
A group of people eating together in a kitchen.

Community First Mortgage Program

Home ownership is a dream for many individuals, but sometimes just beyond their reach.  United Bank's Community First Mortgage Program has been created to offer a little extra help. The program offers flexibility, giving our qualified borrowers the choice of benefit that assists them most in the borrowing process.
 
  • Property being purchased or refinanced must be for the borrower's primary residence and be located in a majority-minority census tract within United Bank's defined markets: Spalding, Henry, Newton, Upson and Coweta. 
  • Option 1: Buy Down Rate
  • Option 2: Receive a Credit Toward Closing Costs
  • Option 3: Receive Down Payment Assistance
The Community First Mortgage Program is in keeping with United Bank’s mission: providing financial solutions while building relationships with integrity and trust. Increasing home ownership in our communities is one of the most tangible ways the Bank can make a positive impact and help our neighborhoods thrive.

























Documents for United Bank Application Process

Once we receive your completed application, we will provide you with a loan estimate. You will then be asked to sign a Notice of Intent to Proceed. At that point, we will let you know what additional information is needed. The following is a list of frequently needed documents. (Additional documents may need to be provided depending on the type of loan for which you are applying.)

  • A copy of your most recent year-to-date pay stubs
  • Signed business and personal tax returns from the past two years
  • W-2 statements from the past two years
  • For those self-employed, a copy of most recent quarterly or year-to-date profit/loss statement
  • Two recent bank statements for all financial accounts such as checking, savings, IRA, and 401(k)
  • Most recent monthly statements for any mortgages
  • Social Security card and valid driver’s license


United Bank is a full-service financial institution serving customers in Middle Georgia. NMLS# 413054













Submit your mortgage application(Opens in a new Window) online or in person at any United Bank office.  Mortgage lenders are available in most locations to discuss the loan options available.  A pre-approval letter and additional disclosures are given to you at application submission.

The pre-approval letter specifies the amount of the mortgage loan, and the terms associated with the loan.  Other disclosures provided may include a loan estimate and other forms required by law.  All personal information on your application is confidential and protected by law.
Conventional loan types are often used for primary home loans, secondary homes, investment property loans, home improvement.  Conventional loans can be fixed-rate or have an adjustable rate.

Government loan types offered are FHA loans, VA loans and USDA loans.

United Bank also offers in-house mortgages and the HomePossible® First time homebuyers mortgage.

For borrowers with property in majority-minority census tracts, United Bank offers the Community First Mortgage Program.  This program offers qualified borrowers the choice of a benefits that will assist them most in the process.

Once we receive your completed loan application, we will provide you with a Loan Estimate. Upon receipt of your Notice of Intent to Proceed, we will let you know what additional information is needed. The following list is a compilation of frequently needed  documents.

  • A copy of your most recent YTD pay stub(s)
  • Signed business and personal tax returns from the past two years
  • W-2 statements from the past two years
  • For those self-employed, a copy of most recent quarterly or year-to-date profit/loss statement
  • Two recent bank statements for all financial accounts such as checking, savings, IRA, and 401(k)
  • Most recent monthly statements for any mortgages
  • Social Security card and valid driver’s license 

Additional documents may need to be provided depending on the type of loan for which you are applying. Check out our mortgage checklist to make sure you have everything you need for a smooth mortgage process.

After the underwriting process is complete, and your loan has been approved, United Bank will prepare your closing documents.  The loan closing will be handled by a closing attorney selected by United Bank who specializes in home loans.  During the closing, funds are disbursed to the appropriate parties.
United Bank maintains the servicing of the majority of loans it originates.  That means you can rely on your trusted community banker to assist with escrow accounts and payment processing.  United Bank mortgage customers can make their payments in our bank offices, at our Interactive Teller Machines, and via the United Bank mobile banking app.
Do you need to refinance? Are you interested in purchasing a second home? Market changes and personal life seasons may present new mortgage opportunities.  When you are ready, our United Bank mortgage team is here to help.
United Bank conveniently places lenders across our market footprint so you can always find someone to discuss your mortgage options with directly.  Click below for the lender's contact information closest to you:

If you don't have a United Bank checking account, use our Payment Portal to make a mortgage payment by ACH or debit card.  (A $7 fee applies if using your debit card.)