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home is where the heart is

IMAGINE THE POSSIBILITIES


We can help finance your vision and turn any house into the home of your dreams. Video play button

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Conventional Loans

INTEREST RATE MAXIMUM LOAN AMOUNT MAXIMUM LOAN TO VALUE MAXIMUM TERM
CONVENTIONAL MORTGAGE
  • Fixed
  • Adjustable
$417,000 97% 30 years
JUMBO LOAN Fixed $2,000,000 80% 30 years
PORTFOLIO LOAN Adjustable $1,500,000 80% 30 years
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All mortgage loans are subject to credit approval and property appraisal.

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First-Time Homebuyer / Low Money Down

INTEREST RATE MAXIMUM LOAN AMOUNT MAXIMUM LOAN TO VALUE
MAXIMUM TERM
FHA
  • Fixed
  • Adjustable
$417,000 96.5% 30 years
VA
  • Fixed
  • Adjustable
$417,000 100% 30 years
USDA Fixed $417,000 100% 30 years
PENNSYLVANIA HOUSING FINANCE AGENCY (PHFA) LOAN Fixed $417,000 97% 30 years
HOMEREADYTMMORTGAGE Fixed $417,000 97% 30 years
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All mortgage loans are subject to credit approval and property appraisal.

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Renovation Loans

INTEREST RATE
MAXIMUM LOAN AMOUNT
MAXIMUM LOAN TO VALUE
MAXIMUM TERM
FHA 203K Fixed
  • $417,000 or county limit 
  • $625,500 in high cost area 
96.5% 30 years
FANNIE MAE HOMESTYLE® Fixed
  • $417,000 
  • $625,500 in high cost area 
95% 30 years
PORTFOLIO LOAN Adjustable
$1,500,000 80% 30 years
HOME IMPROVEMENT LINE OF CREDIT Adjustable with fixed-rate option1 $350,0002 85% 25-year3
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All mortgage loans are subject to credit approval and property appraisal.

  1. Fixed-rate loan option applies to a home equity line of credit with a minimum outstanding balance of $5,000 and allows for a maximum of three (3) interest rate locks during the 10-year draw period with $100 fee per lock.
  2. Loan sizes in excess of $250,000 require Univest to be in 1st lien position.
  3. The Annual Percentage Rate (APR) during the 10-year draw period is variable and based on the Prime Rate published in The Wall Street Journal, plus a margin. The current Prime Rate is 3.50% as of 07/14/2016. The minimum APR is 3.00%; maximum APR is 18.00%. The actual interest rate and terms may change at any time before or after account opening. After the 10-year draw period the balance will convert to a 15-year fixed-rate principal and interest payment at a rate in effect at that time.

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Construction Loans

INTEREST RATE
MAXIMUM LOAN AMOUNT
MAXIMUM LOAN TO VALUE
MAXIMUM TERM
CONSTRUCTION TO PERMANENT
  • Fixed 
  • Adjustable
$2,000,000 80% 12 months
LOT LOAN Fixed $250,000 75% 2 years with a 15-year amortization
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All mortgage loans are subject to credit approval and property appraisal.

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Specialty LOANS

INTEREST RATE
MAXIMUM LOAN AMOUNT
MAXIMUM LOAN TO VALUE
MAXIMUM TERM
PORTFOLIO LOAN Adjustable $1,500,000 80% 30 years
REVERSE MORTGAGE
  • Fixed 
  • Adjustable
$625,500 Dependent on age of homeowner Dependent on when home is sold or no longer used as primary residence
SWING LOAN Adjustable $350,000 80% 12 months
LOT LOAN Fixed $250,000 75% 2 years with a 15-year amortization
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All mortgage loans are subject to credit approval and property appraisal.

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Home Equity

INTEREST RATE MAXIMUM LOAN AMOUNT
MAXIMUM LOAN TO VALUE
MAXIMUM TERM
TERM LOAN
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Fixed $350,0002 85% 15 years
LINE OF CREDIT
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Variable with a fixed-rate option1 $350,0002 85% 25 years3
All loan applications are subject to approval. Interest rates vary based on credit score and other credit criteria, including loan to value for home-secured loan requests.

  1. Fixed-rate loan option applies to a home equity line of credit with a minimum outstanding balance of $5,000 and allows for a maximum of three (3) interest rate locks during the 10-year draw period with a $100 fee per lock.
  2. Loan sizes in excess of $250,000 require Univest to be in 1st lien position.
  3. The Annual Percentage Rate (APR) during the 10-year draw period is variable and based on the Prime Rate published in The Wall Street Journal, plus a margin. The current Prime Rate is 3.50% as of 07/14/2016. The minimum APR is 3.00%; maximum APR is 18.00%. The actual interest rate and terms may change at any time before or after account opening. After the 10-year draw period the balance will convert to a 15-year fixed-rate principal and interest payment at a rate in effect at that time.

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