United Bank Mortgage Payment Q&A

Congratulations and thank you again for choosing George Mason Mortgage for your home financing needs!

How do I pay my first mortgage?

Your payment coupon will be in your closing package. Currently, United Bank does not accept online or phone payments. For any payment questions, contact United Bank Mortgage’s Servicing Department by calling (800) 867-6859, Monday – Friday, 8:30AM – 5:00PM and we will directly connect you to an available Servicing Associate.

The United Bank Mortgage Servicing Department is available to answer any questions you may have in regards to servicing your loan needs.

  • 800.867.6859
  • Monday - Friday
  • 8:30 AM - 5:00 PM

Transfer of Service

It is common practice for a mortgage lender to sell your mortgage loan, also referred to as a transfer, which means you will then be submitting payment to a new servicer or the new owner but that may not always be the case.

If your loan is transferred, the terms and conditions of your original mortgage agreement with United Bank will remain the same. A lender cannot change the terms, balance or interest rate of the loan from those set forth in the documents you originally signed. The payment amount should not change and it will not have an impact on your credit score.

How will I know my loan has transferred?

When your loan is transferred, you will receive a “goodbye letter” from United Bank containing all the information of the new servicer, along with a “welcome letter” from your new service provider containing their contact information.

When will the transfer typically happen?

The transfer typically happens after your first mortgage payment, which will be to United Bank. Once your loan has been transferred, direct any questions regarding the servicing of your loan to the new service provider.

What if I mistakenly make my mortgage payment to United Bank after it is transferred?

After the transfer of your loan, you will have a 60 day grace period following the effective date of the transfer. During this time you cannot be charged a late fee if you mistakenly send your mortgage payment to the United Bank Mortgage servicing department. If during that 60 day grace period a mortgage payment is received by United Bank, our servicing department will forward the payment to your current service provider.

Will my insurance company be notified?

Yes, we will notify and send your insurance company updated information so the correct mortgage company can be billed. It’s important to maintain the required property insurance on your home.

What if I received a letter but I’m not sure it’s from United Bank?

When you move, many records become public information. This means that parties interested in selling you products and services can freely get data on you from your deed recording within a week or two after closing. Because part of the information recorded includes the lender, companies that are trying to deceive you may attempt to sell you products or services and represent themselves as United Bank. We take the protection of your information extremely seriously. If you have any questions about something you’ve received, please don’t hesitate to contact us.

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United Bank is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Reserve, Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480.
This is not a commitment to lend. Mortgage products and services are offered through United Bank. All loan applications are subject to credit and property approval and must meet loan program requirements to qualify. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required.  Speak with a Mortgage Loan Officer for more specific information.
United Bank and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.