Pre-recorded Home Buying Webinar

Home Buying Webinar

Presented by Jay Grewal and David Herrera

Jay Grewal of Keller Williams Realty and David Herrera 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:

  • Loan pre-approval and applying for a mortgage

  • How to qualify

  • Forms and the purchase contract

  • Details of the loan process

  • Private mortgage insurance (PMI)

  • Financing choices — choosing the right loan for you

David Herrera

Sr. Mortgage Consultant

NMLS 424268

David has over 37 years of experience in all facets of real estate lending. David is well versed in assisting first time homebuyers as well as move up buyers alike.

Apply with David Herrera

Phone: (650) 508-7224

Fax: (650) 508-7280


David has offices in:

  • Alameda Branch

  • Oakland Branch

  • Dublin Branch


  • Interest rate may change during the life of the loan

  • 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
7/23 7 23 Every 12 Months
5/5 5 25 Every 5 Years
10/10/10 10 20 Every 10 Years

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. Additionally, we offer 15 and 20-year terms.

Need help deciding which one is right for you? Call (800) 632-4600, option 1-2703

  • 10-Year Fixed Rate Mortgage

  • 15-Year Fixed Rate Mortgage

  • 20-Year Fixed Rate Mortgage 

  • 30-Year Fixed Rate Mortgage

Fixed Rate Mortgages available for non-owner occupied as well. 


  • Fixed rate for the term of the loan

  • Multiple term options available

  • Principle and interest payments remain fixed for the life of the loan

Our HPA 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.


  • Includes fixed and/or adjustable rate mortgages
  • Moderate to low income borrower program enhancements
  • Competitive pricing
  • Flexible options