Buy or refinance with us

Provident can help finance your home or refinance your existing loan

Whether you’re purchasing your first home or refinancing, 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.

Purchase a New Home

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

Apply for Mortgage Loan

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

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.

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. When you exercise the Movable Mortgage Option, the fee is 1/2 of 1% of the balance of the new first mortgage loan.

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


  • Interest rate may change during the life of the loan.

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

This may make the difference in being able to afford your first home or upgrade to a bigger home. Don't give 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
30-Year 10/10 10 20 Every 10 Years
40-Year 10/10230 10 30 Every 10 Years


  • 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.