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Flexible Portfolio Loans

Personal Banking

custom loans


Finding the right home loan can sometimes be a challenge. Univest’s flexible portfolio loan solutions may be the answer to your home financing needs.

what is a portfolio loan?

A portfolio loan is a loan that is held within the issuing bank's portfolio for the life of the loan as opposed to being sold to another lender. The benefit is the lender assumes the risk therefore can be a little more flexible in underwriting the loan.

Univest portfolio loans offer the following features

  • Common sense lending decisions:
    • Practical analysis of self-employed earnings
    • Flexible guidelines
  • Unique property lending:
    • Larger acreage
    • Multiple homes on a single parcel
    • Non-warrantable condominium financing
  • Loans serviced by Univest
  • 10% down payment for loans up to $1,000,0001
  • Debt-to-income ratio up to 50%
  • Super jumbo loans up to $3,000,0002
  • Maximum 30 year term
  • Adjustable rate with an initial fixed rate period of 5, 7, or 10 years
  • Asset depletion income may be considered on a case-by-case basis

If you're looking to purchase a home in Pennsylvania, New Jersey, Delaware, or Ohio, simply fill out the contact form on this page and one of our experts will be in touch.

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  1. LTV > 80% requires mortgage insurance (MI).
  2. Loan sizes in excess of $1,000,000 cannot exceed LTV 80%.

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