DTI - 43%; One time $95 fee; No Upfront Closing Costs; Borrower Pays Third Party Fees (varies by state); No title insurance required on a $250K line or less, except for certain circumstances; Access to HELOC funds via Checks, Online Transfers to Ardent checking account. **Must meet eligibility requirements, which is you must live, work, or worship in Philadelphia, Bucks, Chester, Delaware, Or Montgomery County; be an employee of Ardent or family member of employee**

DTI - 43%; After Max loan amount $250k has been reached customer pays any extra fee's

No closing costs; DTI - 43%; Appraisals