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Swing & Bridge Loan

Personal Banking

While most homeowners try to time the purchase of a new home with the sale of their current home, things don’t always go according to plan. You can’t control timing, but you can keep your purchase plans on track with a swing loan from Univest.


What is a swing loan?

A swing loan, also known as a bridge loan, is a short-term, temporary solution that secures funds for a down payment on a new home using the equity in your current home, prior to its sale.


Benefits of a Univest Swing Loan:

  • Cash out up to 80% of current home value
  • Loan amounts up to $350,000
  • Interest-only payments
  • No title insurance for loan amounts less than $250,000
  • No home sale contingency clause


What are the eligibility requirements?

  • Minimum credit score of 640
  • Current home must be listed for sale


What types of properties qualify for a swing loan?

  • Primary residences
    • Swing loans can be in first or second lien position


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