Home Purchase Advantage

Home Purchase Advantage

Provident’s new Home Purchase Advantage (HPA) program provides expanded purchasing power for our members.

Whether you are a first time home buyer or strategically interested in maximizing your liquid assets, our HPA program can help you accomplish your goals.

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

Home Purchase Advantage (HPA) Affordable

HPA Affordable is a low down payment fixed rate mortgage product designed for creditworthy moderate to low-income borrowers.

  • Low down payment; as little as 3% down for home purchases
  • Flexible sources of funds with no minimum contribution from borrower’s own funds
  • Non-occupant borrowers may be permitted
  • Pricing is better than or equal to standard loan pricing
  • Home Buyer Education course may be required

Home Purchase Advantage (HPA) Power

HPA Power is designed for creditworthy borrowers pursuing higher dollar purchases with minimum down payments with either our fixed or fixed/adjustable loan programs.

  • 3% down loan limit - $1,000,000
  • 5% down loan limit - $1,500,000
  • 10% down loan limit - $2,000,000
  • 15% down loan limit - $2,500,000
  • Home Buyer Education course may be required
  • Non-occupant borrowers may be permitted

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