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Mortgages & Home Equity Loans

Banking for Individuals

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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
$424,100 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
$424,100 96.5% 30 years
VA
  • Fixed
  • Adjustable
$424,100 100% 30 years
USDA Fixed $424,100 100% 30 years
PENNSYLVANIA HOUSING FINANCE AGENCY (PHFA) LOAN Fixed $424,100 97% 30 years
HOMEREADY TM MORTGAGE Fixed $424,100 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
  • $424,100 or county limit
  • $636,150 in high cost area
96.5% 30 years
FANNIE MAE HOMESTYLE® Fixed
  • $424,100
  • $636,150 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 option 1 $350,000 2 85% 25-year 3
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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 4.25 % as of 06/29/2017 . 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
APPLY NOW
Fixed $350,000 2 85% 15 years
LINE OF CREDIT
APPLY NOW
Variable with a fixed-rate option 1 $350,000 2 85% 25 years

SAVE UP TO $675 OFF CLOSING COSTS & FEES*

on a home equity loan or line of credit.


*New home equity term loans of $25,000 or more and new home equity line of credit applicants that take an initial draw of the lesser of $25,000 or 50% of their line at closing, will receive a credit of up to $675 toward closing costs and fees, subject to approval. If closing costs and fees are less than $675 a credit for the actual costs will be applied. If closing costs and fees exceed $675, the balance of the closing costs and fees will be paid by the loan recipient(s). Offer is only valid on new home equity term loans and line of credit applications received by September 30, 2017. Offer may not be combined with any other loan offer and is subject to change at any time.


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 4.25 % as of 06/29/2017 . 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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