Home Mortgages
The Victory Bank is a Division of QNB Bank
Mortgages are now offered through QNB Bank, the parent company of The Victory Bank.
Our goal is to help people acheive the dream of homeownership. We provide personalized guidance every step of the way. Your dedicated mortgage loan officer is here to assist you with homebuyer education, prequalification, processing, and closing support. Whether you’re a first-time buyer or looking to upgrade, we are committed to finding a financing solution that fits your needs and goals. You can trust that your homeownership journey will be supported by our experienced team.
Home Mortgages
| Mortgages - Call for current rates: 215-538-LOAN (5626) |
|---|
| Looking to purchase a home or refinance your current one? We offer competitive mortgage options with flexible terms, low rates, and personalized service to meet your unique needs. Let our experienced mortgage loan officers guide you every step of the way to make your homeownership goals a reality. |
| Home Equity Lines & Loans |
|---|
| Tap into the value of your home with a Home Equity Loan or Line of Credit. Whether you’re planning renovations, consolidating debt, or covering unexpected expenses, we offer competitive rates and flexible terms to help you achieve your goals. Let us make your home’s equity work for you. |
Check out our Home Equity Line of Credit Sale and Home Equity Loan Sale!
Apply Now!
First Time Home Buyer?
| Buying your first home may seem overwhelming. Victory/QNB's mortgage loan officers are here to help you every step of the way, from homebuyer education through prequalification, processing, and closing. We are committed to helping you make your dreams of homeownership become a reality! |
|---|
| Contact us today! |
Our Housing Opportunity Program
| We believe everyone deserves a chance to achieve their dream of homeownership and the ability to maintain their home. Our Housing Opportunity Program is tailored for low-to-moderate income individuals, providing flexible financing options to purchase or repair your home. Our HOP Mortgage Program offers benefits like no down payment, no origination fee, and lenient credit guidelines. We make homeownership more accessible. Whether you're buying a home or looking to renovate, our expert mortgage loan officers are ready to guide you every step of the way. |
|---|
Household Eligibility
- Household income must be 80% or less of the area median income*
- Credit score of 600 or greater
- Debt-to-income ratio of 48% maximum
- The property must be borrower's primary residence
- Consumer credit counseling may be required through an approved agency
Mortgage Program Features
- No origination fee
- No down payment required
- 100% financing based on appraised value or purchase price, whichever is less
- 30-year fixed1 or 30-year adjustable-rate2 mortgage terms
- Maximum loan amount of $350,000
- Interest rates available upon request
- Escrow of taxes and insurance
- Two months mortgage payments in reserve savings
- Closing costs may come from your savings or documented gifted or grant funds
Home Equity Loan Program Features
- No closing costs
- Borrow up to 85% of your home's equity
- 3 to 10 year fixed rate terms3
- Minimum loan amount of $5,000
- Maximum loan amount of $25,000
- Receive a 0.25% discount on posted home equity term loan rates
- Loan proceeds must be used for home renovations or repairs
*HUD Median Family Income Documentation System information is available at https://www.huduser.gov. Program not affiliated with any of the government/state agencies.
1. 30-year fixed interest rate: The monthly payment per $100,000 borrowed at an interest rate of 6.125%, Annual Percentage Rate (APR) of 6.277% for 360 months would be $607.61. Payment example does not include taxes and insurance, total payments will be higher. APR is fixed and will not change for the life of the loan. No balloon payments required.
2. 30-year adjustable-rate mortgage (ARM) loans are variable rate loans with an initial fixed-rate period for the first 5, 7, or 10 years. Rates and payments may increase during the life of the loan. For example: For a $100,000 loan amount with a 30-year term at an interest rate of 6.000%, APR of 6.155%, would result in an initial estimated monthly payment of $599.55 for the first 10 years, and for years 11-30 monthly payments would be $587.55 (based on the current Index plus Margin). After the 10-year initial period, the variable interest rate and payment will adjust every year and equal the total of the current CMT 1-Year Treasury index (3.49% as of January 13, 2026) plus a margin of 2.25%; rounded to the nearest 0.125%. The maximum periodic change in the interest rate is 2.00% with a maximum rate increase of 5.00% above the initial interest rate. Payment example does not include taxes and insurance, total payments will be higher.
3. Payment Example: The monthly payment per $10,000 borrowed at an interest rate of 5.750%, Annual Percentage Rate (APR) of 5.750%, for 60 months would be $192.17. Payment example does not include taxes and insurance, total payments will be higher. Mortgage satisfaction fee applies at loan payoff. Property insurance is, and flood insurance may be, required. This program may be discontinued at the Bank’s discretion. All loans are subject to credit approval.
Property must be in Pennsylvania in Berks, Bucks, Chester, Montgomery, Lehigh, or Northampton Counties.
Budgeting can help you achieve your goals and it doesn’t have to be scary or overwhelming.
Use our Calculators to help you quickly and easily plan your monthly expenses and get a better sense of where your money is going.