Home Loan Information


Begin the Application Process Today!

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Call Our Loan Center

Call us today at 800-250-1713 at our Direct Loan Center. We can take your application or answer any questions you have.

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Free Consultation

This process takes a minute. We will contact you once we receive your request.

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Full Application

Complete your full application online now to start the loan application process!

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Short Application

Want to start the loan application process but don't have all your necessary documentation? Use our short application!

LOAN PROGRAMS

Home Purchase

Whether you are a first-time homebuyer, a renter, or you are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs. Use our easy-to-navigate site, or contact us directly by phone.

 

    We can help you realize your homeownership dreams by offering you all the best advantages:
  • Low Rates
  • Online Application
  • Experienced Loan Professionals
In addition to the loan programs listed below, Provident Bank Mortgage offers other programs. Please consult your Loan Agent for more information.
Loan Programs Advantages Disadvantages
Adjustable Rate Mortgages
7/1 ARM
5/1 ARM
  • Lower initial monthly payment
  • Lower payment over a shorter period of time
  • Rates and payments may go down if rates improve
  • More risk
  • Payments may increase over time
  • Potential for high payments if rates go up
First Time Buyer Programs
  • Lower down payment
  • May qualify for down payment assistance programs
  • May be subject to income and property value limitations
  • Some programs which have government subsidies may have a recapture tax if you sell the house too early

Refinance

Find out if now is the right time to refinance! You may be able to reduce your monthly payments or reduce the life of your loan by getting a lower interest rate or a new loan term.


    Some key reasons to consider refinancing:
  • Get a lower-rate mortgage
  • Consolidate a first and second mortgage into one lower payment
    The advantages we offer you for your refinancing needs are:
  • Low Rates
  • Easy information application online
  • Guidance & advice from an experienced loan professional