Pre-recorded Home Buying Webinar
Home Buying Webinar
Presented by Michael Mendenhall and Fatemeh Sangabi
Michael Mendenhall of Keller Williams Realty and Fatemeh Sangabi from Provident Credit Union cover the knowledge you need to take advantage of the current home buying conditions. This webinar will guide you through the home buying process, with topics including:
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Loan pre-approval and applying for a mortgage
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How to qualify
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Forms and the purchase contract
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Details of the loan process
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Private mortgage insurance (PMI)
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Financing choices — choosing the right loan for you
Updated 1/17/2025
Fatemeh has been with Provident Credit Union for 21 years as a Mortgage Consultant after entering the lending industry in 1992 as a loan officer. Fatemeh holds a Bachelor’s Degree in Business Management. Whether purchasing or refinancing, Fatemeh thrives in helping our members achieve and maintain their home ownership goals.
Apply with Fatemeh SangabiFatemeh has offices in:
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Daly City Branch
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Millbrae Branch
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San Mateo Branch
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Hayward Branch
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Interest rate may change during the life of the loan.
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Monthly payments may increase or decrease based on interest rate changes.
This may make the difference in being able to afford your first home or upgrade to a bigger home. Don't give up the security of a fixed payment during the first years of the mortgage.
We’re here to answer your questions and help you understand your options. Call (800) 632-4600, option 1‑2703.
Mortgage | Period of Fixed Rate | Period of Adj. Rate | Adjustment Frequency |
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7/23 | 7 | 23 | Every 12 Months |
30-Year 5/5 | 5 | 25 | Every 5 Years |
40-Year 5/5230 | 5 | 35 | Every 5 Years |
30-Year 10/10 | 10 | 20 | Every 10 Years |
40-Year 10/10230 | 10 | 30 | Every 10 Years |
Fixed/Adjustable Mortgages
These loans offer a low rate that stays fixed for five to ten years, then converts to an adjustable rate.
This loan option offers a very stable rate and payment over the life of the loan. Even as the overall rate environment changes, your rate and loan payment remain unchanged.
Need help deciding which one is right for you? Call (800) 632-4600, option 1-2703
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10-Year Fixed Rate Mortgage
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15-Year Fixed Rate Mortgage
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20-Year Fixed Rate Mortgage
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30-Year Fixed Rate Mortgage
Fixed Rate Mortgages available for non-owner occupied as well.
Features
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Fixed rate for the term of the loan
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Multiple term options available
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Principle and interest payments remain fixed for the life of the loan
Fixed Rate Mortgages
This type of loan appeals to the conservative borrower, those who will not move, or won't refinance for many years.
Our Home Purchase Advantage program can help you accomplish your goals. First-time home buyers and people interested in maximizing liquid assets can benefit.
We’re here to answer your questions and help you understand your options. Call (800) 632-4600, option 1-2703.
Features
- Includes fixed and/or adjustable rate mortgages
- Moderate to low income borrower program enhancements
- Competitive pricing
- Flexible options
Home Purchase Advantage
Provident’s new Home Purchase Advantage (HPA) program provides expanded purchasing power for our members.