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When you’re ready for more than just housing.

Purchasing your first or next home can be both an exciting and nerve-racking experience. So we’re intentionally taking the drama out of the loan generation process. Whether it is a first-time mortgage, construction loan, refinancing your existing mortgage, or if you’re just wanting access to some of the equity you’ve already established with a home equity loan, we have the tools and calculators to help. You’ll know exactly what you can afford, and you can begin your home loan application online.

  • First mortgage image linked to content First Mortgage
  • Construction image linked to content Construction
  • Quick close loan image linked to content Quick Close Loan
  • Refinance image linked to content Refinance
  • Home equity image linked to content Home Equity
  • Apply for a mortgage image linked to content Apply For A Mortgage

First Mortgage

      • Purchase of a new home or refinancing existing homes
      • Fixed rates
      • Long-term plans are available
      • Minimum down payment determined by your credit score
      • Rates determined by credit score and loan to value

Click here to download our mortgage loan checklist.

Construction

      • Long-term plans are available
      • One-time closing
      • Rates determined by credit score and loan to value

Quick Close Loan

If you have a low balance on an existing mortgage and are looking to refinance at a better interest rate, then this option is for you.  A “quick close” mortgage receives the credit union’s lowest available closing costs and is available in 5, 10, 15, 20, or 30-year loan terms.


Refinance

Did you know that when interest rates go down, your mortgage payments can go down, too? Choosing to refinance your existing mortgage simply means you are taking advantage of a better interest rate than the one you are currently paying against. It’s a fiscally smart move that can save you thousands of dollars over the life of your mortgage – while also keeping more of your money in your pocket. Refinancing allows you to:

      • Obtain a lower interest rate and paying less fees
      • Reduce the number of years to pay off your mortgage
      • Consolidate any existing debt
      • Reduce or eliminate Private Mortgage Insurance (PMI)

So stop in and drop your rate. You can refinance your current mortgage through DoverPhila at any time, even if your mortgage was generated through another lender.  Click here to download our mortgage loan checklist.

Home Equity

Home Equity Line of Credit
      • Long-term plans are available
      • Rates determined by credit score and loan to value
      • Revolving line becomes available as balance decreases
One-Time Disbursement Home Equity
      • Fixed-rate, closed-end mortgage
      • One payment for life of loan
      • Rates determined by credit score and loan to value

Apply For A Mortgage

  • Calculators image linked to content Calculators

Calculators

Customized calculators help our members see their financial future with the clarity they desire. From determining the cost of a mortgage or installment loan with different time intervals and rates, to calculating retirement savings, members gain the knowledge necessary to make informed financial decisions.  Click on the links below to view the corresponding calculator.

Use of the loan calculators above is not a guarantee of credit. Click here for our loan calculator disclaimer.

 

Calculators

Customized calculators help our members see their financial future with the clarity they desire. From determining the cost of a mortgage or installment loan with different time intervals and rates, to calculating retirement savings, members gain the knowledge necessary to make informed financial decisions.  Click on the links below to view the corresponding calculator.

Use of the loan calculators above is not a guarantee of credit. Click here for our loan calculator disclaimer.

Loan Payment Options

When making loan payments, members have a variety of options that best suit their needs and lifestyle. Mail it, stop in at a branch, use our electronic and mobile services, or establish automatic payments so there’s never a concern about missing a payment.

      • Payroll deduction
      • Automatic transfer
      • Smartphone app
      • Online banking with On Line-On Time® Home Banking
      • Online bill pay
      • U.S. mail
      • In person at a DoverPhila branch or ATM
      • Over-the-Phone Payment using a credit or debit card
      • Over the phone with our contact center using an existing DoverPhila account
      • Recurring ACH Origination

Skip-A-Payment

The unexpected is part of life. When it happens, our Skip-a-Payment benefit affords members to defer a payment until the end of the loan. To be eligible, the member account must be in good standing with at least 12 months of payment on the loan and haven’t exceeded the number of skips permissible for the life of the loan. This benefit can be applied to auto, personal, share/certificate, and recreational loans. A $35 fee will be applied and all borrowers must sign for the benefit to take effect. Skipped payments process within 24 hours. All eligibility requirements apply.

Youth Savings – DP’s Kids Club

For kids ages 12 and under

Parents – want to help your children learn to manage money? Then bring your children — age 12 and under — to any DoverPhila branch and sign them up for their very own savings account through DP’s Kids Club.

DP's Kids Club image

By joining the club, children learn to manage money early and reap the special rewards this account offers.

Joining is easy

Simply bring your child, their social security card, and a deposit of $5 (or more) to any of our five convenient locations and activate their account. It’s that easy.

If your child already has a DoverPhila savings account, you can sign your child up for membership in DP’s Kids Club. No additional deposit is required. (Note: If you currently have a custodial account, you will need to set up a separate account for the kids club.)

DP's Kids Club benefits

Here are just some of the benefits that come with DP’s Kids Club membership:

      • Fun Gifts– Kids receive a postcard in the mail each quarter with an incentive to save their money.
      • Membership Card – The official club membership card – kids love them!
      • Games & Contests – Quarterly contest with cash prizes.
      • Quarterly Newsletter – Credit union news and money facts tailored specifically to kids.
      • Special Events – Celebrate summer at the annual DP’s Kids Club Day (always the first Saturday in August) that includes games, contests, and refreshments.
      • Financial Tools for Kids – Education is the key to success. Club activities and tools are designed to help kids learn money management.
      • Access to Banzai – An award-winning, online financial literacy program that allows members to discover real-world finances through “learning by doing.”
      • And More!

Early education is crucial to adopting lifelong money management skills. Working together we can help children learn to successfully manage their money. By joining the kids club, kids are given the opportunity to learn the value of saving money while also having fun.

When your child reaches the age of 13, their financial education really kicks into gear. Their membership will automatically be converted to a DP Savers Club membership.

Not-For-Profit

As a not-for-profit credit union, we appreciate the unique governing structure of not-for-profits, their need to keep expenses in check, and desire to show results for the programming.

For that reason our not-for-profit checking account offers all of the great features and benefits of our business checking account, but without the monthly service charges (waived for qualified 501c3 not-for-profit organizations). 

Features of our Not-For-Profit Checking include:

      • No minimum balance
      • No monthly service charges
      • Free overdraft protection from your savings account
      • Unlimited check writing
      • Online banking
      • Mobile banking
      • Digital check images through online banking
      • eAlerts
      • ATM/Debit card access

While your first order of checks needs to be made through a DoverPhila branch location, you can reorder checks quickly and easily online.

  • First Mortgage
  • Construction

First Mortgage

      • Purchase of a new home or refinancing existing homes
      • Fixed rates
      • Long-term plans are available
      • Minimum down payment determined by your credit score
      • Rates determined by credit score and loan to value

Click here to download our mortgage loan checklist.

Construction

      • Long-term plans are available
      • One-time closing
      • Rates determined by credit score and loan to value
  • Quick Close Loan
  • Refinance

Quick Close Loan

If you have a low balance on an existing mortgage and are looking to refinance at a better interest rate, then this option is for you.  A “quick close” mortgage receives the credit union’s lowest available closing costs and is available in 5, 10, 15, 20, or 30-year loan terms.


Refinance

Did you know that when interest rates go down, your mortgage payments can go down, too? Choosing to refinance your existing mortgage simply means you are taking advantage of a better interest rate than the one you are currently paying against. It’s a fiscally smart move that can save you thousands of dollars over the life of your mortgage – while also keeping more of your money in your pocket. Refinancing allows you to:

      • Obtain a lower interest rate and paying less fees
      • Reduce the number of years to pay off your mortgage
      • Consolidate any existing debt
      • Reduce or eliminate Private Mortgage Insurance (PMI)

So stop in and drop your rate. You can refinance your current mortgage through DoverPhila at any time, even if your mortgage was generated through another lender.  Click here to download our mortgage loan checklist.

  • Home Equity
  • Apply For A Mortgage

Home Equity

Home Equity Line of Credit
      • Long-term plans are available
      • Rates determined by credit score and loan to value
      • Revolving line becomes available as balance decreases
One-Time Disbursement Home Equity
      • Fixed-rate, closed-end mortgage
      • One payment for life of loan
      • Rates determined by credit score and loan to value

Apply For A Mortgage

  • Calculators

Calculators

Customized calculators help our members see their financial future with the clarity they desire. From determining the cost of a mortgage or installment loan with different time intervals and rates, to calculating retirement savings, members gain the knowledge necessary to make informed financial decisions.  Click on the links below to view the corresponding calculator.

Use of the loan calculators above is not a guarantee of credit. Click here for our loan calculator disclaimer.

 

Calculators

Customized calculators help our members see their financial future with the clarity they desire. From determining the cost of a mortgage or installment loan with different time intervals and rates, to calculating retirement savings, members gain the knowledge necessary to make informed financial decisions.  Click on the links below to view the corresponding calculator.

Use of the loan calculators above is not a guarantee of credit. Click here for our loan calculator disclaimer.

Loan Payment Options

When making loan payments, members have a variety of options that best suit their needs and lifestyle. Mail it, stop in at a branch, use our electronic and mobile services, or establish automatic payments so there’s never a concern about missing a payment.

      • Payroll deduction
      • Automatic transfer
      • Smartphone app
      • Online banking with On Line-On Time® Home Banking
      • Online bill pay
      • U.S. mail
      • In person at a DoverPhila branch or ATM
      • Over-the-Phone Payment using a credit or debit card
      • Over the phone with our contact center using an existing DoverPhila account
      • Recurring ACH Origination

Skip-A-Payment

The unexpected is part of life. When it happens, our Skip-a-Payment benefit affords members to defer a payment until the end of the loan. To be eligible, the member account must be in good standing with at least 12 months of payment on the loan and haven’t exceeded the number of skips permissible for the life of the loan. This benefit can be applied to auto, personal, share/certificate, and recreational loans. A $35 fee will be applied and all borrowers must sign for the benefit to take effect. Skipped payments process within 24 hours. All eligibility requirements apply.

Youth Savings – DP’s Kids Club

For kids ages 12 and under

Parents – want to help your children learn to manage money? Then bring your children — age 12 and under — to any DoverPhila branch and sign them up for their very own savings account through DP’s Kids Club.

DP's Kids Club image

By joining the club, children learn to manage money early and reap the special rewards this account offers.

Joining is easy

Simply bring your child, their social security card, and a deposit of $5 (or more) to any of our five convenient locations and activate their account. It’s that easy.

If your child already has a DoverPhila savings account, you can sign your child up for membership in DP’s Kids Club. No additional deposit is required. (Note: If you currently have a custodial account, you will need to set up a separate account for the kids club.)

DP's Kids Club benefits

Here are just some of the benefits that come with DP’s Kids Club membership:

      • Fun Gifts– Kids receive a postcard in the mail each quarter with an incentive to save their money.
      • Membership Card – The official club membership card – kids love them!
      • Games & Contests – Quarterly contest with cash prizes.
      • Quarterly Newsletter – Credit union news and money facts tailored specifically to kids.
      • Special Events – Celebrate summer at the annual DP’s Kids Club Day (always the first Saturday in August) that includes games, contests, and refreshments.
      • Financial Tools for Kids – Education is the key to success. Club activities and tools are designed to help kids learn money management.
      • Access to Banzai – An award-winning, online financial literacy program that allows members to discover real-world finances through “learning by doing.”
      • And More!

Early education is crucial to adopting lifelong money management skills. Working together we can help children learn to successfully manage their money. By joining the kids club, kids are given the opportunity to learn the value of saving money while also having fun.

When your child reaches the age of 13, their financial education really kicks into gear. Their membership will automatically be converted to a DP Savers Club membership.

Not-For-Profit

As a not-for-profit credit union, we appreciate the unique governing structure of not-for-profits, their need to keep expenses in check, and desire to show results for the programming.

For that reason our not-for-profit checking account offers all of the great features and benefits of our business checking account, but without the monthly service charges (waived for qualified 501c3 not-for-profit organizations). 

Features of our Not-For-Profit Checking include:

      • No minimum balance
      • No monthly service charges
      • Free overdraft protection from your savings account
      • Unlimited check writing
      • Online banking
      • Mobile banking
      • Digital check images through online banking
      • eAlerts
      • ATM/Debit card access

While your first order of checks needs to be made through a DoverPhila branch location, you can reorder checks quickly and easily online.

A SIMPLE $5 DEPOSIT IS ALL IT TAKES.
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