FIRST TIME HOMEBUYER PROGRAM*
30-YEAR TERM • FIXED INTEREST RATE

6.500%, 6.552%APR**

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FOR REALTORS

A smooth transaction for your clients is vital to your success. Bring your clients to us and we will take care of the rest.

  • No bank fees***
  • Fast, reliable service
  • Portfolio Lender
FOR BUYERS

Avoid costly mistakes and wasted time. Our experts will guide you through a stress free purchase process.

  • Great tools Powerful tools and resources are
    all here to guide you through
    the buying process.

For more information please
call the Lending Office

215.675.4424

Loan Officer, Tim Nogowski

tnogowski@hatborofed.com NMLS #73964

Loan Officer, Michael Rapp

mrapp@hatborofed.com NMLS # 907915

*A first time homebuyer is defined as an individual who meets any of the following criteria:
-An individual who has had no ownership in a principal residence during the 3-year period ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are considered first-time homebuyers).
-A single parent who has only owned a principal residence with a former spouse while married.
-An individual who is a displaced homemaker and has only owned a principal residence with a spouse.
-An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
-An individual who has only owned a principal residence that was not in compliance with state, local or model building codes and which cannot be brought into compliance for less than the cost of constructing a permanent structure.

**First time homebuyers only. Annual Percentage Rate (APR) as of the publication date for a 30 year term loan. APR based upon a principal loan amount of $100,000 with a 20% down payment. The terms of repayment are 360 monthly payments of $6.32 per $1,000 borrowed.

Loan payments do not include taxes or insurance, if applicable, and the actual payment obligation may be greater. First lien, owner-occupied, purchase transactions only. Homeowners insurance required. Loans up to $806,500.00. A minimum down payment equal to 5.00% of the purchase price is required. Terms up to 30 years. An escrow account is required for all mortgage loans with a Loan to Value Ratio (LTV) of over 75%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and insurance premiums. Private Mortgage Insurance (PMI) is required on all mortgage loans with an LTV over 80%. Other conditions, including income limitations, may apply. Subject to credit approval, income verification and collateral valuation. Offer subject to change without notice.

***Borrower is responsible for all non-bank fees, including its portion of transfer taxes, title insurance and recording fees.