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Home equity financing options sure to fit your needs and your lifestyle

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Home Equity Loans & Lines of Credit



Univest gives you a choice of three home equity financing options. One is sure to fit your needs and your lifestyle.


Homeowner’s Line of Credit


  • Enables homeowners to borrow between 81% and 95% of the appraised value of their home.
  • Borrow from $5,000 to $100,000.
  • The interest rate on your loan will be variable:
    • Rate changes as prime rate changes.
    • Interest paid may be tax-deductible, consult your tax advisor for details.
    • No annual fees as long as you actively use the line of credit.
    • Save time by writing checks, using an ATM or transferring from your line of credit to another Univest account.
    • Minimum monthly payment will be $100 or 1/240th of your outstanding balance, plus interest and insurance on the amount borrowed.
    • Monthly payments can be automatically deducted from your Univest account.
    • Credit insurance is available.

Home Equity Line of Credit


  • Enables homeowners to borrow up to 80% of the appraised value of their home.
  • Borrow from $5,000 to $100,000 for whatever purpose you choose.
  • Variable interest rate.
  • Rate changes as prime rate changes.
  • Interest paid may be tax-deductible, consult your tax advisor for details.
  • Save money by paying interest only on the amount you borrow.
  • Save time by writing checks or using an ATM to access your line of credit.
  • NEW Fixed Rate Option: You can fix the interest rate and your payment on all or a portion of your outstanding balance should rates begin to rise. There is no need to apply for a new loan. Your credit line remains active and your installment payments replenish your credit line.
  • Credit insurance is available.

 

Fixed-Rate Home Equity Loan


  • Enables homeowners to borrow up to 80% of the appraised value of their home.
  • Borrow from $5,000 to $100,000 with terms from 12 to 180 months.
  • Interest paid may be tax-deductible, consult your tax advisor for details.
  • Provides the security of a fixed monthly payment.
  • Easy budgeting with a guaranteed interest rate for the term of the loan.
  • Receive a 0.25% discount on your installment loan with automatic payments from a Univest deposit account.
  • Flexibility to choose date of monthly payment, method of payment and monthly payment amount.
  • Credit insurance is available.

 

Homeowners Loan


  • Designed for recent homeowners who may not have equity built up in their property or homeowners who need to borrow above their current lendable equity.
  • Enables homeowners to borrow 81% to 95% of the appraised value of their home.
  • Borrow from $5,000 to $100,000 with terms from 12 to 180 months.
  • Interest paid may be tax-deductible, consult your tax advisor for details.
  • Receive a 0.25% discount on your installment loan with automatic payments from a Univest deposit account.
  • Credit insurance is available.

 

For more information or to apply for a loan, call or visit any one of our convenient Financial Service Centers located throughout Bucks and Montgomery Counties.