Home Purchase Advantage

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.


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

Home Purchase Advantage (HPA) Affordable

Provident’s 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 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