Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader.
A young family.

Learn About Different Types of Mortgage Loans

Personal Banking

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

Please Scroll to the left to view the rest of the table
Conventional Loans

INTEREST RATE MAXIMUM LOAN AMOUNT MAXIMUM LOAN TO VALUE MAXIMUM TERM
CONVENTIONAL MORTGAGE
LEARN MORE
  • Fixed
  • Adjustable
$453,100 97% 30 years
JUMBO LOAN
LEARN MORE
Fixed $3,000,000 85% 30 years
PORTFOLIO LOAN
LEARN MORE
Adjustable $2,000,000 80% 30 years
APPLY NOW


All mortgage loans are subject to credit approval and property appraisal.

Please Scroll to the left to view the rest of the table
First-Time Homebuyer / Low Money Down

INTEREST RATE MAXIMUM LOAN AMOUNT MAXIMUM LOAN TO VALUE
MAXIMUM TERM
FHA
LEARN MORE
  • Fixed
  • Adjustable
$453,100 96.5% 30 years
VA
LEARN MORE
  • Fixed
  • Adjustable
$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
APPLY NOW


All mortgage loans are subject to credit approval and property appraisal.

Please Scroll to the left to view the rest of the table
Renovation Loans

INTEREST RATE
MAXIMUM LOAN AMOUNT
MAXIMUM LOAN TO VALUE
MAXIMUM TERM
PORTFOLIO LOAN
LEARN MORE
Adjustable $2,000,000 80% 30 years
HOME IMPROVEMENT LINE OF CREDIT
LEARN MORE
Adjustable with fixed-rate option 1 $350,000 2 85% 25-year 3
APPLY NOW


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 5.25 % as of 08/22/2018 . 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.
Please Scroll to the left to view the rest of the table
Construction Loans

INTEREST RATE
MAXIMUM LOAN AMOUNT
MAXIMUM LOAN TO VALUE
MAXIMUM TERM
CONSTRUCTION TO PERMANENT
LEARN MORE
  • Fixed
  • Adjustable
$2,000,000 80% 12 months
LOT LOAN
LEARN MORE
Fixed $250,000 75% 2 years with a 15-year amortization
APPLY NOW


All mortgage loans are subject to credit approval and property appraisal.

Please Scroll to the left to view the rest of the table
Specialty Loans

INTEREST RATE
MAXIMUM LOAN AMOUNT
MAXIMUM LOAN TO VALUE
MAXIMUM TERM
PORTFOLIO LOAN
LEARN MORE
Adjustable $2,000,000 80% 30 years
REVERSE MORTGAGE
LEARN MORE
  • Fixed
  • Adjustable
$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
APPLY NOW


All mortgage loans are subject to credit approval and property appraisal.

Please Scroll to the left to view the rest of the table
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.

  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 5.25 % as of 08/22/2018 . 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.

contact us

There was an error submitting the form

Thank you for your submission.

to the
top