United Community Mortgage

Member FDIC. © 2024 United Community Bank | NMLS #421841

We offer more products so you can close more deals.

Portfolio – In-house options with larger max loan amounts and flexible guidelines Investor jumbo – Jumbo financing for primary and second homes, plus investment properties (up to four units) Construction-to-permanent – Conforming and jumbo options for primary and second homes Renovation – Adjustable- and fixed-rate options, including Fannie Mae HomeStyle Renovation® Agency – Fannie Mae and Freddie Mac options, including Freddie Mac Home Possible® and Refi Possible®, and Fannie Mae HomeReady and RefiNowTM

Member FDIC. © 2024 United Community Bank | NMLS #421841

Our products put people in homes.

100% financing products – Several loan options with no down payment requirement United Home Access – An FHA loan with a 2nd lien up to 5% of the purchase price to allow for 100% financing Low down payment products – Affordable lending options to make homeownership more accessible Community lending program – An interest rate discount up to 2%, based on property location Government – FHA, USDA, and VA loans Medical professionals – Up to 100% financing for qualified doctors, veterinarians, dentists, physician assistants, and nurse practitioners

Member FDIC. © 2024 United Community Bank | NMLS #421841

Portfolio playbook.

Don't stunt your sales with strict conventional guidelines. Our in-house portfolio lending makes it possible to craft custom creative, flexible mortgage solutions to meet your customers' unique financial needs.

Open more doors for borrowers.

– Flexible guidelines – Higher loan amounts – Construction-to-permanent and constructionrenovation loans – Specialized programs, including 100% financing through our medical professionals, Portfolio 100, and PATH (Possibilities Achieved through Homeownership) loan options – Personalized service throughout the life of the loan Attract more real estate agents.

– Co-market listings with specialized loan programs to generate more interest – No-down-payment options create more opportunities for homebuyers to become homeowners – Jumbo options to meet the needs of luxury buyers – Options for self-employed buyers

Member FDIC. © 2024 United Community Bank | NMLS #421841

Solutions to increase buying power.

2-1 buydown – Help your customers ease into a new mortgage by temporarily lowering the mortgage interest rate for the first two years of the loan Extended rate lock – Protect your borrower’s rate on a new construction home for up to 270 days, with a float down option United Heroes – An appraisal rebate at closing for select programs and borrowers, to thank our heroes for their service Auto-pay discount – Drop the rate by a quarter point on select United loan products when your customer auto-pays from a United checking account Down payment assistance products – Including United Community Down Payment Assistance and UAdvantage Community Partners, First-time Homebuyer, and Workforce Housing Plus, offered in partnership with FHLBA

Member FDIC. © 2024 United Community Bank | NMLS #421841

Company culture, built on customer service. #1 in Customer Satisfaction for Consumer Banking in the Southeast and #1 in Trust (2024, J.D. Power) – 10-time winner Greenwich Excellence and Best Brand Awards (2023, Coalition Greenwich)

– 15 awards for outstanding performance in Middle Market and Small Business Banking, including national honors for Overall Satisfaction Best Banks to Work For (2023, American Banker) – Marks seven years in a row based on employee satisfaction America’s Best Midsize Companies (2024, Time) America’s Most Trustworthy Companies (2024, Newsweek)

Member FDIC. © 2024 United Community Bank | NMLS #421841

United at a glance.

199 total banking centers* 3,003 total employees 6 states – Alabama – Florida – Georgia – North Carolina – South Carolina – Tennessee Partnership model – Build your network and serve your clients through every stage of their financial journey – Establish yourself as the expert and create stickiness to increase retention and referrals – Receive branch referrals (customers and business partners) – Business solutions for business partners

*Reported as of December 31, 2024

Member FDIC. © 2024 United Community Bank | NMLS #421841

United in your community.

United Community Bank Foundation – Established in 2020 – Four key pillars of focus: – Economic empowerment – Youth development – Housing strategies – Artistic expression 2023 by the numbers: – $581,305 in total donations – 230 organizations impacted – 138 grants awarded to organizations nominated by United team members – 5 Good Days grants awarded to 95 organizations – 6 states impacted United Community Mortgage President’s Club – Annual designation recognizing top performers from the mortgage sales and support teams

Member FDIC. © 2024 United Community Bank | NMLS #421841

A customer experience that delivers results.

Feature

Benefit

Digital loan comparison tool

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Creating customized loan comparisons differentiates you from the competition, creating stickiness with prospects, past clients, and real estate agents

Secure, digital loan application and document portal

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Prospects can apply with you anytime, anywhere Documents are sent directly to the loan file, eliminating emails in your inbox and streamlining the loan process Effortlessly generate prequalification letters that automatically pull in specific customer information

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Hybrid eClose

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Cut closings down to minutes by having customers electronically sign the bulk of their paperwork before they get to the closing table

Automated loan status updates

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Keep your borrowers, agents, and builders updated throughout the loan process without sending a single email

Above average customer survey scores

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High customer satisfaction increases the likelihood you’ll earn repeat and referral business

Upfront underwriting

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Work loans you know have a high likelihood to make it to closing Customers provide documentation upfront, cutting down on last minute requests that can delay closings

Specialized operations staffing structure

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Teams of experts who specialize in niche loans (government, wealth, down payment assistance) make sure complex scenarios are handled efficiently and correctly

Member FDIC. © 2024 United Community Bank | NMLS #421841

Strategic marketing that drives business.

Agent leads, delivered weekly – Automatically connect with agents who can use our products to market existing listings and win new ones Simplified prospecting – Access curated call lists to quickly connect with the people who need to hear from you Automated nurture campaigns – Effortlessly put yourself in a position to win future business, without sacrificing time now Customized collateral – Showcase products and programs, with the option to add a co-marketing partner Extended opportunities – Additional email campaigns target new mortgage opportunities within the bank’s book of business In-house marketing – Custom capabilities, dedicated support Social media program – Select from a compliance-approved content library, without sacrificing the freedom to post independently Streamlined events – Stand out with custom event booths, one-on-one planning assistance, and ready-made presentations to wow business partners and prospective customers Member FDIC. © 2024 United Community Bank | NMLS #421841

Dedicated support to accelerate growth.

Strategic onboarding experience – Hands-on-keyboard training to get you working your pipeline and originating loans as quickly as possible Data-driven coaching – Mortgage leadership dedicated to helping you target your best agent opportunities Continuous training – In-person and virtual sessions to make sure you’re growing professionally and staying up-to-date on product roll-outs and enhancements Dedicated support – Full-time, in-house resources to provide personalized guidance, on-demand

Member FDIC. © 2024 United Community Bank | NMLS #421841

Generous benefits for your well-being.

Overview – Medical, dental, and vision insurance – Life insurance provided at no additional cost to employee – Accidental death and dismemberment coverage – Short- and long-term disability at no additional cost to employee – Paid sick and vacation leave – Eleven holidays – Volunteer time off – 401(k) retirement plan – United matches dollar-for-dollar contributed up to 5% of salary with 100% vesting – Parental leave – Health savings account – Flexible spending accounts – Identify theft protection – Pet insurance – Employee assistance program – Employee assistance fund – Employee referral bonus – Employee discounts

Member FDIC. © 2024 United Community Bank | NMLS #421841

UBank at Work Program – Discounts and benefits exclusively for United Community employees – United Signature Checking – no monthly service charge or minimum balance requirements – Borrowing – exclusive discounts on mortgages, home equity loans, personal loans, and lines of credit – Credit cards – introductory rate extension and best available APR – Advisory Services – free investment review with a registered LPL Financial Advisor – Financial Wellness – tips and tools to maximize your financial health

Mike Davies President, United Community Mortgage NMLS #896818

125 East Broad Street Greenville, SC 29601 864-250-7661 mike_davies@ucbi.com

Member FDIC. © 2024 United Community Bank | NMLS #421841