-- Third quarter provision for losses of $76 million -- Allowance-to-loans ratio of 1.91%, up from 1.53% in second quarter -- Net loss for third quarter -- Capital levels strong United Community Banks, Inc. (NASDAQ: UCBI) today announced a net ... When you're on the look out for a new home, you need cash. A lot of it. Most homes today have down payments that are more than what the buyer can afford right then and there. The solution for this? A mortgage.