Mortgage Services

Choosing a mortgage can be one of life’s biggest financial decisions. For first-time homebuyers, the idea of applying for a mortgage can seem overwhelming. At United Bank, we’re here to provide the support you need so you can find the right mortgage to suit your financial circumstances. 

Your home is more than just a place to live; it’s also a large part of your financial life. Home mortgages are one of United Bank’s specialties. The people in our Mortgage Division are experts on all aspects of home financing, including new purchase, refinancing, second mortgages and home improvement loans. To top it off, we service most of our loans locally, which means you’ll make your payments at United Bank locations or through our mobile app, not by sending your payments across the country.   

Our online application is secure and easy-to-use. We guide each of our clients through the entire process while offering competitive pricing and reliable service. Our quick pre-approval process allows us to determine your options and help you choose the right loan for you. At United Bank, our clients receive an easy closing process, escrow support, and competitive rates and fees. 

United Bank is here to provide support with mortgage options for various financial budgets. Our mortgage calculator can be used to help you gain a better understanding of the type of loan you can afford over a five, ten, fifteen, twenty, or thirty year term. 

After the application is submitted, we order an appraisal to determine the value of the home you’re interested in purchasing or refinancing. 

United Bank has been an important part of Georgia’s communities for more than 100 years and our professional experts are here to serve. Look no further than your own hometown to find the very best in mortgage services and a partner to help you fully attain your goal of home ownership. 

Why choose United Bank?  See our Whitepaper: High Touch Mortgage Service.

  • Primary Home Loans
  • Secondary Home Loans
  • Investment Property Loans
  • Home Improvement Loans
  • Fixed-Rate Mortgage Loans
  • Adjustable-Rate Mortgage Loans
  • In-House Loans
  • First-Time Homebuyers Program 
  • VA Loans
  • USDA Loans
  • FHA Loans 

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. 

United Bank participates in Freddie Mac's Home Possible Mortgage program, specially designed for first time homebuyers and low- and moderate-income borrowers.  These loans offer the flexibility and options to meet a variety of borrowers' needs.