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Mortgage Health Check

Free Mortgage Health Check

A free home loan health check with a Provident Mortgage Expert can help you determine if your current home loan is still the best fit for your needs.

Get started today with a complimentary, no-obligation mortgage health check by booking an appointment. Call us at (800) 632-4600 Ext. 2703 or email us at RealEstateSales@providentcu.org.

Schedule Appointment

Benefits

  • Focus on your goals - Explore the options that make the most sense for you with unbiased advice from our team of experts.
  • Cash-out opportunities - Take advantage of your equity with a cash-out refinance to cover home renovations, student loans or unexpected bills.
  • Consolidate debt - Consolidate your debt and bills with a with a fixed Home Equity Loan or a fixed HELOC to help manage your payments.
  • Access to better loan features - If your circumstances have changed, such as starting a new family or renovating a home, you may not be getting the most out of your current home loan features.

Featured Rates

15-Year Fixed Rate Mortgages: 6.125% (6.161%APR046)
40-Year 5/5 Adjustable Rate Mortgages230 232: 6.125% (6.089%APR046)

View all Mortgage Rates

5-Year Fixed Maximizer Home Equity Loans: 6.750% APR058
5-Year Fixed Prime Plus HELOC: 6.750% APR058 Start Rate*
*This is a variable rate loan that features a 5-year introductory interest rate. All subsequent rate adjustments are based on the Prime Rate as published in the Wall Street Journal plus a margin listed on the rate guide.

View all Home Equity Rates

Refinance a Mortgage Loan

Lower your monthly payment and shorten the length of your loan with Provident's low rates and variety of terms.

Apply for Mortgage Refinance

Is Your Loan Still the Right Fit?

Get a free, no-obligation home loan health check with a Provident Mortgage Expert.

Book Appointment

Home Equity Line of Credit

A loan that works wonders
Apply for HELOC

Put Your Equity to Work

Use your home equity line of credit to pay off high interest debts or make home improvements.

Learn More

Disclosures

  • 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.
     
  • 058) APR = Annual Percentage Rate. Subject to change without notice. Rates quoted are effective on date of publication. When rate and APR are not the same, the APR appears in parentheses.
     
  • 230) 40-year term must be owner occupied condo or single family purchase or rate and term refinance only (no cash out).
  • 232) 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.