Home Equity Loans

We’re here to help you fund whatever your life needs. A cost-effective loan option is a Home Equity Loan. Use the equity in your home to help with home remodeling, debt consolidation, educational expenses, or whatever your life needs. Choose between a Fixed Rate Home Equity Loan or Variable Rate Home Equity Line of Credit. Compare the loan programs to identify which of the options can best meet your needs.

Fixed-Rate Home Equity Loan

  • Low fixed-rate that will not change for the life of the loan
  • Monthly payments are the same each month making budgeting easier
  • Available terms include 5, 7, 10, 12, and 15 years, depending on the Loan-To-Value of the home
  • Loans can be disbursed within a month
  • No high closing costs
  • Lending area includes Pennsylvania & New Jersey
  • The minimum loan amount is $5,000 with a maximum of $100,000, depending on the available equity in the home
  • The interest you pay on the loan may be tax-deductible. Please consult your tax advisor.
  • Primary residence, second/vacation home, or rental property can be used as collateral

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Fixed-Rate Home Equity Loan Rates

Loan to Value (LTV)TermExample Loan AmountAPR As Low As1Example Monthly Payment
80%MINIMUM - $5,000; MAXIMUM - $100,000
Promo - 36 Month$5,0002.49%*$144.29
60 Month$25,0003.99%$460.33
84 Month$25,0004.49%$347.42
120 Month$25,0004.74%$262.04
144 Month$25,0004.99%$231.14
180 Month$25,0005.24%$200.89
90%MINIMUM - $5,000; MAXIMUM - $75,000
60 Month$25,0004.49%$465.99
84 Month$25,0004.99%$353.27
120 Month$25,0005.24%$286.15
100%MINIMUM - $5,000; MAXIMUM - $50,000
60 Month$25,0005.99%$483.24


Home Equity Lines of Credit

  • Low variable rate and more cost-effective than a credit card
  • Have the flexibility of drawing funds when you need it and drawing only the amount you need
  • 7 years draw period (the borrowing period)
  • Loans can be disbursed in as little as 3 weeks 
  • No high closing costs
  • Lending area includes Pennsylvania & New Jersey
  • The minimum loan amount is $5,000 with a maximum of $100,000, depending on the available equity in the home 
  • The interest you pay on the loan may be tax-deductible. Please consult your tax advisor.
  • Primary residence only will be used as collateral 

Apply Now Learn More

Home Equity Lines of Credit Rates

Loan to Value (LTV)Draw PeriodAPR As Low As1
80%7 Years3.50%
90%7 Years3.75%

Home Equity Line of Credit rates effective: July 1, 2020 – September 30, 2020. Rate based on Prime Rate published in the Wall St. Journal one month prior to the 1st business day of each calendar quarter. Floor rate for Home Equity Line of Credit program is 3.50%.

*2.49% Annual Percentage Rate (APR) applies only to Fixed-Rate Home Equity Loans with a 36-month term and is our best rate for well-qualified borrowers with a qualifying loan of up to 80% Loan-To-Value. Your APR and payment may be higher based on your credit, loan term, available debt protection options, and our underwriting standards. Property must be owner-occupied. Title and flood insurance may be required. Current Viriva loans must refinance an additional $10,000 in new money to be eligible. Membership and other restrictions may apply. Offer may change without notice. Applications must be received between 09/15/20 and 12/31/20 and are subject to credit approval. Call us at 215-333-1201 for more information and to discuss other rates and terms. Loan amounts must be between $5,000-$100,000 and disbursed by 01/31/21. 

**Up to $375 Loan Processing Fee waived for applications received between 09/15/20 and 12/31/20 with loans of $20,000 or more in new money disbursed by 01/31/21.

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