Home Purchase Advantage

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.

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.

Disclosures

  • 229) Adequate property insurance required for the life of the loan. Flood insurance may be required. Private Mortgage Insurance (PMI) required on all mortgages exceeding 80% loan-to-value (LTV). All loans subject to credit approval.

Home Purchase Advantage (HPA) Affordable

Provident’s new Home Purchase Advantage (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 purchases229
  • 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 229

Provident’s new Home Purchase Advantage (HPA) Power is designed for creditworthy borrowers pursuing higher 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

Home Buying Seminar

Learn the home buying process from the pros. 
Home Buying Seminar

Meet With a Mortgage Consultant

Schedule an appointment with an experienced Mortgage Consultant to help guide you through the homebuying process.

Schedule Appointment

Purchase a New Home

Your dream home awaits. Let us help you reach your goals of homeownership.
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