Ryan Smith - NMLS# 112493 - United Community Bank

10/18/2024

We just got access to an additional down payment assistance funds for our UAdvantage Workforce Housing Plus program. Contact me to see if you qualify!

02/01/2024

Looking for an opinion to lower your interest rate?
Mortgage points, or discount points, are fees you pay upfront at closing in exchange for a lower interest rate on your mortgage.
Each point typically costs 1% of your total loan amount and can lower your interest rate by about0.25%. So, if you have the cash up front and plan on staying in your home for a while, mortgage points can be a smart investment.

01/26/2024

You’re paying for a home whether you rent or buy. Would you rather give your money to a landlord or pay it towards your own mortgage?

01/17/2024

Have you heard the term “100% financing,” but aren’t exactly sure what it means? A 100%—or no-down payment—mortgage means you don’t have to make a down payment when you finance your home. That type of loan helps a lot of people buy a home sooner, but it also has other benefits, like:
- Paying down debt
- Buying furniture (after you’ve closed on your loan)
- Investing

01/09/2024

A lower interest rate = a lower monthly mortgage payment. Find out how a 2-1 buydown1 could give you some rate relief in the first two years of your home loan.
https://www.ucbi.com/support/learning-center/higher-rates-moving-plans-not-on-hold

01/04/2024

Your down payment isn’t the only thing you need to budget for when it comes to a move! Click the link for a list of the top moving expenses you might run into. https://www.ucbi.com/support/learning-center/moving-top-8-expenses-to-keep-in-mind

01/01/2024

Happy New Year! 🎇
As we step into 2024, we want to extend our heartfelt thanks to our community for your trust and partnership this year. We're grateful for the opportunity to know and serve you.

12/28/2023

If you're looking for ways to ring in the New Year from home, here are a few ideas to try with your family and friends:
1 – Throw on some tunes and dance the night away
2 – Choose some of your favorite movies for a movie marathon
3 – Write down your resolutions and share them with everyone
4 – Grab some board games and heat up the competition
5 – Decorate the house, decorate a bar cart, and create your own fancy cocktails

12/25/2023

12/20/2023

If you’re looking for 100% financing options, United offers two programs that are eligible in specific locations. Contact me to find out if your future home falls within the area guidelines.

12/13/2023

What kind of home are you dreaming of? Drop a comment below (A—F) with your pick!

12/11/2023

Fannie Mae has a new, lower minimum down payment for owner-occupied, multi-family properties.*