Buy or refinance with us

Whether you’re purchasing your first home or want to refinance your existing loan, Provident Credit Union has home financing options to fit your needs. View individual mortgage loan types below for more information and additional mortgage related services.

To apply for a loan click on the apply button above or next to each product below. To schedule an appointment at a branch location please click "Schedule Appointment" below. 

Schedule Appointment Branch Locations Mortgage Calculators

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

POWER Funding 10-Day Guarantee

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

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.

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, 5/5, and 10/10/10 home loans allow you to transfer your rate to the next home you buy.207

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!


  • Available on our Portfolio Adjustable Rate Mortgage products

  • Take your rate with you when you move

  • No upfront rate differential or fees. Movable Mortgage Option is ½ of 1% (.5%) of unpaid principal balance at time member exercises movability.

Fixed Rate Mortgages

This type of loan appeals to the conservative borrower, those who will not move, or won't refinance for many years. This loan option offers a very stable rate and payment over the life of the loan. Even as the overall rate environment changes, your rate and loan payment remain unchanged. Additionally, we offer 15 and 20-year terms.

Need help deciding which one is right for you? Call (800) 632-4600, option 1-2703

  • 10-Year Fixed Rate Mortgage

  • 15-Year Fixed Rate Mortgage

  • 20-Year Fixed Rate Mortgage 

  • 30-Year Fixed Rate Mortgage

Fixed Rate Mortgages available for non-owner occupied as well. 


  • Fixed rate for the term of the loan

  • Multiple term options available

  • Principle and interest payments remain fixed for the life of the loan

Fixed/Adjustable Mortgages

These loans offer a low rate that stays fixed for five to ten years, then converts to an adjustable rate. This may make the difference in being able to afford your first home or upgrade to a bigger home, without giving up the security of a fixed payment during the first years of the mortgage.
We’re here to answer your questions and help you understand your options. Call (800) 632-4600, option 1-2703.

Mortgage Period of Fixed Rate Period of Adj. Rate Adjustment Frequency
7/23 7 23 Every 12 Months
5/5 5 25 Every 5 Years
10/10/10 10 20 Every 10 Years


  • Interest rate may change during the life of the loan

  • Monthly payments may increase or decrease based on interest rate changes

Apartment Building Mortgages

Consider the advantages of financing your apartment building with Provident -- up to $4 million for 5-36 units:


  • 30-year terms

  • No pre-payment penalty

  • Movable

  • Cash-out available on all programs

For more information on apartment building mortgages, E-Mail Us or call (800) 632-4600, option 1-2703.

Mortgage Loans That Match Your Dreams


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