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HomeReady Mortgage Loans

Personal Banking

not enough income?


Make your dreams of homeownership a reality with a HomeReadyTM Mortgage from Univest, an affordable, conventional loan solution for creditworthy individuals who may not have the necessary income to purchase a home.

Benefits of a Univest HomeReady Mortgage:

  • Low down payment
  • Financing up to 97%
  • Maximum loan amounts up to $726,200
  • Cancellable or affordable mortgage insurance
  • Can rely on income from family members or roommates to help qualify and they are not required to be on the loan
  • Not all borrowers need to reside in the home

What are the eligibility requirements?

  • Minimum of 620 credit score
  • Borrower(s) is required to take an online course to help them prepare for homeownership prior to closing

What types of properties qualify for a HomeReady Mortgage?

  • Primary residences
  • Single family homes
  • 1-4 Family property
  • 1 unit condominiums

Get Pre-Qualified Today!

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