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Community Spotlight

Loan Products

Whether buying your first new home, refinancing your existing home or taking advantage of the equity you've earned, Huntingdon Valley Bank has what you're looking for. And now you can enjoy the ease and convenience of applying online!

Whether you are looking to purchase, refinance or build a home, we can help. Huntingdon Valley Bank offers the assurance of working with a trusted financial institution and provides a convenient way of applying for a mortgage.

Mortgage Loans Apply Now Details


If you want the tax benefits of a home equity loan with a fixed repayment term and interest rate, the Huntingdon Valley Bank Home Equity Loan may be for you.

Home Equity Loans Apply Now Details


A Home Equity Credit Line allows you to borrow against the equity in your home whenever you need it. In most cases the interest is tax deductible (be sure to consult your tax advisor).

Home Equity Credit Lines Apply Now Details



MORTGAGE LOANS FOR OUR COMMUNITY

Huntingdon Valley Bank NMLS ID 456902

As a financial institution with deep roots in the community, we understand how important home ownership is to our customers.  Our mortgage programs feature:

  • 15-year to 30-year fixed rate and adjustable rate loans.
  • Borrowing for purchase or refinance.
  • Special first-time homebuyer programs.
  • FREE pre-qualifications.

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CLICK HERE TO VIEW THE CURRENT RATES OF INTEREST, ANNUAL PERCENTAGE RATES, TERMS OF REPAYMENT, AND OTHER IMPORTANT DISCLOSURES ABOUT OUR MORTGAGE LOANS.

Huntingdon Valley Bank is an approved Pennsylvania Housing Finance Agency (PHFA) lender.  The PHFA has developed programs specifically designed to make owning a first home in the Commonwealth possible for lower income families.  The programs provide year-round availability of below market-rate financing, below-market origination fees and closing cost assistance for those who meet certain eligibility requirements. Be sure to call our experienced lending team at (267) 280-4040 for further information concerning any of our mortgage lending programs.

First Time Homebuyers Mortgage Programs
FHA Mortgages
Fixed Rate Mortgages
Investment Property Mortgages
Jumbo Mortgage Loans
Pennsylvania Housing Finance Agency (PHFA) Mortgages
Second Home Mortgages
VA Mortgages
Home Equity Loans
Home Equity Line of Credit Loans

First Time Homebuyers Mortgage Program

Huntingdon Valley Bank works with you and the local agencies to get the best loan for you and the maximum assistance to help you purchase your home. Huntingdon Valley Bank will NOT put you in a loan you cannot afford.

FHA Mortgages

These Government backed loans feature a low down payment and no maximum income limitations. FHA loans are available in fixed rate. Insurance from the Federal Government replaces private mortgage insurance. Maximum loan amounts vary by county.

Fixed Rate Mortgages

Rest easy knowing that your payment will be fixed for the life of the loan.

Investment Property Mortgages

Mortgages for non-owner occupied homes are available with low down payments.

Jumbo Mortgage Loans

Huntingdon Valley Bank can finance Jumbo loans over $417,000. Fixed loan options exist, tailored to your specific financial needs.

Pennsylvania Housing Finance Agency (PHFA) Mortgages

PHFA issues bonds to support housing initiatives across the state of Pennsylvania. The advantage is a below-market interest rate for low to moderate income homebuyers. Qualifying income limits apply based upon the county in which you are purchasing the home. There are also maximum mortgage amounts so check with us to see if you qualify.

Second Home Mortgages

Huntingdon Valley Bank can also help you purchase a vacation home with a fixed rate mortgage. You can finance up to 90% of the purchase price.

VA Mortgages

One of the benefits of serving your country. Eligible veterans can finance up to 100% of the purchase price of many homes without having to pay mortgage insurance. The seller of the property can assist by paying up to all of your closing costs. Imagine buying a home with no money out of your pocket! Reservists are also eligible depending on time served.

USE THE POWER OF HOME EQUITY TO MAKE YOUR DREAMS COME TRUE

Maybe you need money for home improvements or to cover educational expenses.  Perhaps you’d like cash to take a well-earned vacation or consolidate your bills into one easy-to-manage monthly payment.

If you are a homeowner, we can help.  Our Home Equity Lines of Credit and our Home Equity Fixed Rate/Fixed Term Loans are two great ways to get the funds you want.  Even if you don’t have available equity, you may save by refinancing with a lower rate from Huntingdon Valley Bank.

It’s Easy to Estimate Your Available Equity

At Huntingdon Valley Bank, you can borrow up to 80% of your home’s equity on fixed home equity loans or home equity lines of credit even if you don’t have a mortgage with us.

People are often surprised by the amount of equity they’ve accumulated in their home.  Use the chart below to calculate the amount you may be able to borrow.

 

Homeowner’s Equity Calculation for Fixed equity loans
Current market value of your home: $_______________
 
Multiply by up to 80% (x .80) 
to establish your available equity $_______________
 
Subtract any remaining balance on your:
First mortgage: $_______________
Second mortgage payoff: $_______________
 
Your available equity: $_______________


Approvals are based on credit, income, and the appraised value of your property.  Huntingdon Valley Bank will be the first or second mortgage lien holder on your primary residence.

Special Discounted Auto-Pay Rate

Once you’ve estimated your available equity, you can apply for a Home Equity Line of Credit or a Home Equity Fixed Rate/Fixed Term Loan.  Both are practical ways to get the cash you want.

Regardless of which option you select, there are no application fees or annual fees.  You also qualify for our discounted Auto-Pay rate if you have your monthly loan payment automatically deducted from a Huntingdon Valley Bank savings or checking account.  You’ll find this to be a convenient method of making timely payments.

Our Home Equity Line of Credit - For Maximum Flexibility

A Huntingdon Valley Bank Home Equity Line of Credit is an excellent way to ensure that you have ready access to needed funds up to 80% of your home's equity.

Once approved, you’ll receive special complimentary checks so you can write yourself a loan whenever you choose.  This gives you the flexibility to borrow cash at the time you want and in the amount you need.  We offer credit lines from $7,500 to $100,000 or more.  Of course, you only pay interest on the money you actually borrow.

The interest you pay on your Home Equity Line of Credit may even be tax deductible, be sure to ask your tax advisor.  In addition, you can take advantage of a special discounted rate of interest by arranging for Auto-Pay of your loan from any Huntingdon Valley Bank checking or savings account.

As you repay the principal, these funds become available again for your use.  There are no renewal fees.  So it’s literally money in the bank whenever you need it!

Property insurance is required on all loans.

Disclosures are available upon request.  Information about current rates, Annual Percentage Rate (APR,) and service charges is contained in these disclosures.  Ask for and read all disclosures before applying for any account.

*Minimum rate:  4.25%.   Maximum rate:  18.00%.

Our Home Equity Fixed Term/Fixed Rate Loan - For Simplified Budgeting

This excellent borrowing option is for customers who prefer the advantages of a fixed term/fixed rate loan.

You can borrow from $7,500 to $200,000 for terms of 3 years to 20 years.  There are no annual fees, no application fees, and no closing costs.  So you know exactly what you will be paying each month.  You also get our discounted Auto-Pay interest rate when regular payments are made from a Huntingdon Valley Bank checking or savings account.  Your interest may even be tax deductible, so be sure to ask your tax advisor.

Click here to view rates 

Property insurance is required on all loans.

Disclosures are available upon request.  Information about current rates, Annual Percentage Rate (APR,) and service charges is contained in these disclosures.  Ask for and read all disclosures before applying for any account.

 

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