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. 
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Conventional Loans
| | INTEREST RATE | MAXIMUM LOAN AMOUNT | MAXIMUM LOAN TO VALUE | MAXIMUM TERM |
|---|---|---|---|---|
| CONVENTIONAL MORTGAGE LEARN MORE |
| $453,100 | 97% | 30 years |
| JUMBO LOAN LEARN MORE | Fixed | $3,000,000 | 85% | 30 years |
| PORTFOLIO LOAN LEARN MORE | Adjustable | $1,500,000 | 80% | 30 years |
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 LEARN MORE |
| $453,100 | 96.5% | 30 years |
| VA LEARN MORE |
| $453,100 | 100% | 30 years |
| USDA LEARN MORE | Fixed | $453,100 | 100% | 30 years |
| PENNSYLVANIA HOUSING FINANCE AGENCY (PHFA) LOAN learn more | Fixed | $453,100 | 97% | 30 years |
| HOMEREADY MORTGAGE LEARN MORE | Fixed | $453,100 | 97% | 30 years |
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 |
|---|---|---|---|---|
| PORTFOLIO LOAN LEARN MORE | Adjustable | $1,500,000 | 80% | 30 years |
| HOME IMPROVEMENT LINE OF CREDIT LEARN MORE | Adjustable with fixed-rate option 1 | $350,000 2 | 85% | 25-year 3 |
All mortgage loans are subject to credit approval and property appraisal.
- 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.
- Loan sizes in excess of $250,000 require Univest to be in 1st lien position.
- 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 4.75 % as of 03/30/2018 . 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 LEARN MORE |
| $2,000,000 | 80% | 12 months |
| LOT LOAN LEARN MORE | Fixed | $250,000 | 75% | 2 years with a 15-year amortization |
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 LEARN MORE | Adjustable | $1,500,000 | 80% | 30 years |
| REVERSE MORTGAGE LEARN MORE |
| $679,650 | Dependent on age of homeowner | Dependent on when home is sold or no longer used as primary residence |
| SWING LOAN LEARN MORE | Adjustable | $350,000 | 80% | 12 months |
| LOT LOAN LEARN MORE | Fixed | $250,000 | 75% | 2 years with a 15-year amortization |
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 3 |
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 toward closing costs and fees based on eligible loan tiers: • Amounts from $5,000 to $150,000 will receive a credit up to $250 • Amounts from $150,001 to $250,000 will receive a credit up to $525 • Amounts from $250,001 to $350,000 will receive a credit up to $675
Loan and offer are subject to approval. If closing costs and fees are less than the eligible credit amount, the actual costs will be applied. If closing costs and fees exceed the eligible credit amount, 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 loan and line of credit applications. Offer does not apply to refinances on existing Univest home equity loans, cannot be combined with any other offer and is subject to change without notice.
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.
- 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.
- Loan sizes in excess of $250,000 require Univest to be in 1st lien position.
- 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 4.75 % as of 03/30/2018 . 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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