Low Rate Mortgage Loans

Purchase with confidence

Unbox Your Next Home Loan

Whether you’re purchasing your first home or want to refinance your existing loan, Provident Credit Union has home financing options at great rates to fit your needs. Apply for a mortgage loan or schedule an appointment with a mortgage expert.

Purchase a New Home

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

Apply for Mortgage Loan

Meet With a Mortgage Consultant

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

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Fixed Rate Conforming Mortgages

Maximum Loan Amount: $806500. APRs are based on a loan amount of $806500.

Rates are valid as of and are subject to change.

Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
30 0.000% 6.875% 6.897% $6.57 CC, DD, EE, FF, S
1.000% 6.625% 6.696% $6.40
2.000% 6.375% 6.493% $6.24
20 0.000% 6.375% 6.404% $7.38 CC, DD, EE, FF, S
1.000% 6.125% 6.216% $7.24
2.000% 5.875% 6.028% $7.09
15 0.000% 6.125% 6.16% $8.51 CC, DD, EE, FF, S
1.00% 5.875% 6.067% $8.37
2.000% 5.625% 5.974% $8.24
10 0.000% 6.125% 6.175% $11.16 CC, DD, EE, FF, S
1.00% 5.875% 6.147% $11.04
2.000% 5.625% 6.121% $10.91

Fixed/Adjustable Movable Mortgages

APRs are based on a loan amount of $550,000.

Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
5/530 Years 0.000% 6% 6.039% $6.00 CC, DD, EE, FF, S
1.000% 5.75% 6.036% $5.84
5/540 Years 0.000% 6% 6.033% $5.50 CC, DD, EE, FF, FFF, S
1.000% 5.75% 6.029% $5.33
7/2330 Years 0.000% 7.75% 7.209% $7.16 CC, DD, EE, FF, S
1.000% 7.5% 7.176% $6.99
10/1030 Years 0.000% 7.75% 7.355% $7.16 CC, DD, EE, FF, S
1.000% 7.5% 7.284% $6.99
10/1040 Years 0.000% 7.875% 7.328% $6.86 CC, DD, EE, FF, FFF, S
1.000% 7.625% 7.261% $6.67
  • CC) Discount points are paid to buy down the interest rates and are calculated as a percentage of the loan amount.
  • DD) Interest rate based on the above assumptions, and may be different than the rates displayed here. The interest rates, Annual Percentage Rates (APRs), discount points, and rebates shown are subject to change without notice.
  • EE) Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $750,000 conforming mortgage with zero-points and a fixed rate of 5.875%, multiply 750 x $5.92 for an approximate payment amount of $4,536.53 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.
  • FF) All mortgage loans through Provident Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Provident Credit Union NMLS #412725
  • FFF) 40-year term must be owner occupied condo or single family purchase or rate and term refinance only (no cash out).
  • S) APR - Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.

Power Funding is a guarantee that Provident can close your home purchase within 10 business days. If Provident is unable to meet this commitment, you’ll receive a $995 rebate.040

Guarantee Period

The guaranteed funding period starts when Provident receives the following items:

  • Full loan application

  • Credit Package 042

  • Deposit

The guaranteed funding period ends when your loan is funded.

POWER Funding 10-Day Guarantee

Close your purchase in 10 business days or less, guaranteed.039

 

How it Works

You have a new home with a great rate. Let's say you decide to move in three years, but rates have risen by that time. You still have years left with your original low rate. Now you can transfer that rate and term to the mortgage on your next home!

Features

  • Available on our Portfolio Adjustable Rate Mortgage products

  • Take your rate with you when you move

  • No upfront rate differential or fees. When you exercise the Movable Mortgage Option, the fee is 1/2 of 1% of the balance of the new first mortgage loan.

Movable Mortgages

With a Provident Movable Mortgage®, you can secure today’s low interest rate and take it with you when you move. Our 7/23, 30-Year 5/5, 40-Year 5/5, 30-Year 10/10, and 40-Year 10/10 home loans allow you to transfer your rate to the next home you buy.207

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.

Disclosures

  • 039) Pre-approval and closing guarantees are based on a preliminary review of borrower's credit information only and is not a commitment to lend. The closing guarantee is subject to verification of the information submitted on borrower's application, in addition to borrower’s property eligibility. Fraudulent or purposely misleading information provided by borrower will invalidate the guarantee.
  • 046) APR - Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.
     
  • 207) Movable® option is available on 7/23, 30-Year 5/5, 40-Year 5/5, 30-Year 10/10, and 40-Year 10/10 in California only.

40-Year Mortgage Loans

Achieve your goal of homeownership with lower monthly payments.

Learn More

Home Buying Seminar & Home Investment Purchase

4/26/2025 2:30 - 4:00 PM

Walnut Creek Branch

Home Buying Webinar

5/1/2025 6:00 - 7:00 PM

Home Buying Seminar & Home Investment Purchase

5/6/2025 6:00 - 8:00 PM

Redwood Shores Branch

Home Buying Seminar & Home Investment Purchase

5/17/2025 2:30 - 4:00 PM

San Ramon Community Branch

Home Buying Webinar

5/20/2025 12:00 - 1:00 PM

Mortgage Calculators

Mortgage FAQs

Schedule an appointment with a mortgage consultant to learn more.