United Savings Bank Mortgage&Home Equity Loan Rates

United Savings Bank has been making First and Second Mortgage Loans throughout SouthEastern PA & Southern New Jersey since 1912. Review some of our great Rates and Terms and use our Loan Calculators to help with your financing decisions.

Other Mortgage and Loan Rates and Terms available. Call or visit one of our Local Branches for more information.

All rates effective as of 07/30/2010 subject to change without notice

CONFORMING RATES
.	Rate	APR*	Pts	P & I Payment Per $1000
30 Yr. Fixed	3.875%	4.056%	2	4.91
30 Yr. Fixed	4.125%	4.224%	1	4.99
30 Yr. Fixed	4.375%	4.390%	0	5.06
15 Yr. Fixed	3.250%	3.716%	3	7.33
15 Yr. Fixed	3.875%	3.901%	0	7.39
3/1 Yr.ARM	4.750%	4.774%	0	5.22
5/1 Yr. ARM	5.000%	5.040%	0	5.37
10 yr Fixed	4.000%	4.027%	0	10.12


NON-CONFORMING RATES
.	Rate	APR*	Pts	P & I Payment Per $1000
30 Yr. Fixed	5.250%	5.794%	3	5.75
30 Yr. Fixed	5.875%	5.903%	0	6.15
15 Yr. Fixed	4.750%	5.031%	3	7.91
15 Yr. Fixed	5.000%	5.027%	0	8.10


HOME EQUITY
Fixed Rate w/Auto Deduction		Rate/APR	P & I Payment Per $1000
3 Yr. Community Rate		4.750%	29.85
5 Yr. Community Rate		5.500%	19.10
7 Yr. Community Rate		5.750%	14.48
10 Yr. Community Rate		6.000%	11.10
15 Yr. Community Rate		6.750%	8.84
20 Yr. Community Rate		7.500%	8.06

APR *(Annual Percentage Rate) is accurate as of date above. Rates subject to change without notice. APR based on loan amount of $175,000 with a minimum credit score of 700 and loan to value (LTV) not to exceed 80% for purchases and LTV not to exceed 75% for cash out refinance or rate and term for 10 and 15 year products.
Our 20 and 30 year maximum loan to value for purchases is 95% and for rate and term refinances the maximum LTV is 80% and for cash out refinance the maximum LTV is 60%. Primary owner occupied residence only and single family dwelling. Property Insurance required and Private Mortgage Insurance if applicable based on LTV. Subject to credit approval. Equal Housing Lender. Rates based on CRA lending area Pennsylvania counties of Bucks, Delaware, Chester, Montgomery and Philadelphia. (Other rates and terms available for other loan to values, credit scores and property types.) Max loan to value on our home equity loan products is 75%