Mortgages

Let Us Help with your next Home Purchase or Refinance…Investment properties as well!

Mortgage Options

  • Primary Residence (First Time Home Buyer Programs also Available)
  • Second / Vacation Home
  • 1 to 4 Family Investment Properties

We offer 30, 20, 15 and 10 Year Fixed Rate terms as well as Adjustable Rate Mortgages (5 , 3 & 1 Year ARMS).

Mortgage Center

Visit our Mortgage Center where you can:

  • Apply for a Mortgage
  • Receive a Personalized Quote
  • Obtain Updates on Current Loan Status
  • Access one of our many Financial Decision Calculators
  • Rate Watch—complete the form and we will email you as rates change

Application

Our Mortgage Application process is fully automated and easy to navigate!

APPLY NOW

You can also Contact Us or call 215-467-4300 for a Free Consultation with one of our many Loan Officers.

Conforming Rates

The below rates qualify for loan amounts up to $766,550.  Purchase mortgages for primary residences only, with a 780+ credit score.  Maximum loan to value is 80%. Call for rate term & cash out refinance rates!

Rates effective as of July 11, 2024. Please call your Loan Officer or (215) 467-4300 for the most current rates.  P&I Payment shown below per $1,000 borrowed, does not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.

TermRateAPR*PointsP&I Payment Per $1000

30 Year Fixed

 

6.500%

6.250%

6.633%

6.479%

0

1

 

6.32

6.16

 

20 Year Fixed

 

6.250%

6.000%

6.424%

6.293%

0

1

7.31

7.16

15 Year Fixed

5.625%

5.375%

5.838%

5.743%

0

1

8.24

8.10

10 Year Fixed

5.500%

5.250%

5.800%

5.770%

0

1

10.85

10.73

5/1 Year ARM

5.875%

5.625%

7.115%

7.111%

0

1

5.92

5.76

*APR (Annual Percentage Rate) is accurate as of the date above. Rates subject to change without notice. APR based on a loan amount up to $766,550 with a minimum credit score of 780.  Loan to value (LTV) not to exceed 80% for purchase money mortgages.  For a $250,000 loan amount for 30 years at 6.500% monthly principal & interest payment would be $1580.17 payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.  Use the P&I Payment factors per $1,000 above for payment comparisons between products.  The rate and payment on the 5/1 ARM is fixed for 5 years and the rate and payment will vary annually after 5 years and the payment may increase. After the initial 5 year period the payment will be based on the One year treasury rate plus a margin of 2.75% (Fully indexed rate).  The fully indexed rate as of 7/05/2024 would be 7.750% and would result in a principal and interest payment of $1888.32.   Rates based on a single family owner occupied primary residence. Property Insurance required and Private Mortgage Insurance may be applicable depending on the LTV.  Rates based on our CRA lending area of Delaware and Philadelphia counties. (Other rates and terms available for other loan to values, credit scores and property types, please call or email us)  Subject to credit approval. Equal Housing Lender.

Second Homes

The below rates qualify for loan amounts up to $766,550. Rates are based on a single family, owner occupied second home with a minimum credit score of 780 and a maximum loan to value of 75% for purchases. 

Rates effective as of July 11, 2024. Please call your Loan Officer or (215) 467-4300 for the most current rates. P&I Payment shown below per $1,000 borrowed, does not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.

TermRateAPR*PointsP&I Payment Per $1000
30 Year Fixed 6.625% 6.859% 1  $6.40
15 Year Fixed 5.875% 6.248% 1

 $8.37

*APR (Annual Percentage Rate) is accurate as of the date above. Rates subject to change without notice. APR based on loan amounts up to $766,550 with a minimum credit score of 780. Loan to value (LTV) not to exceed 75% for purchase money mortgages. For a second home a $250,000 loan amount for 30 years at 6.625% monthly principal & interest payment would be $1600.78 and $250,000 loan amount for 15 years at 5.875% monthly principal & interest payment would be $2229.64 Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. All rates are 1-point transactions. Points are fees paid directly to the lender in exchange for a reduced interest rate. A point is equal to one percent of the borrowed funds. For a complete listing of all fee’s associated with the loan please visit www.unitedsavingsbank.mortgagewebcenter.com/CheckRates and apply for a quote. Property Insurance required. Subject to credit approval. Equal Housing Lender.

1 to 4 Family Investment Properties

The below rates qualify for loan amounts up to $766.550. Rates are based on a 1 to 4 family investment property with a minimum credit score of 780 and a maximum loan to value of 75% for purchases.

Rates effective as of July 11, 2024. Please call your Loan Officer or (215) 467-4300 for the most current rates. P&I Payment shown below per $1,000 borrowed, does not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.

TermRateAPR*PointsP&I Payment Per $1000
30 Year Fixed 7.000%

7.239%

1 $6.65
15 Year Fixed 6.125% 6.501% 1 $8.51

  *APR (Annual Percentage Rate) is accurate as of the date above. Rates subject to change without notice. APR based on loan amounts up to $766,550 with a minimum credit score of 780. Loan to value (LTV) not to exceed 75% for purchase money mortgages.  For a 1 to 4 family investment property a $250,000 loan amount for 30 years at 7.000% monthly principal & interest payment would be $1663.26 a $250,000 loan amount for 15 years at 6.125% monthly principal & interest payment would be $2126.56. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. All rates are 1-point transactions. Points are fees paid directly to the lender in exchange for a reduced interest rate. A point is equal to one percent of the borrowed funds. For a complete listing of all fee’s associated with the loan please visit www.unitedsavingsbank.mortgagewebcenter.com/CheckRates and apply for a quote. Property Insurance required. Subject to credit approval. Equal Housing Lender.

For Non-Conforming Rates, please contact one of our Loan Officers or Email Us at info@unitedsavingsbank.com.

The NMLS (Nationwide Mortgage Licensing System & Registry) ID Number for United Savings Bank is 510431. If you would like more information about NMLS or would like to look up the NMLS ID Number for one of our mortgage loan originators, please go to the Nationwide Mortgage Licensing System & Registry website at: www.nmlsconsumeraccess.org

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