PUTTING MORTGAGE SOLUTIONS WITHIN REACH

The dream may be big, but the process can be simple. Whether you’re applying for a mortgage for the first time, a seasoned home buyer, or want to refinance your current home, our team of dedicated mortgage representatives are here to help guide you through it. Connect with a Provident Bank Mortgage Representative today!

 

Apply Now Get Prequalified

Choose the term that suits your financial needs.

 

15-Year Fixed Rate

6.375%Rate

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6.476%APR*

    30-Year Fixed Rate

    6.875%Rate

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    6.938%APR*

Searching for a home and could use some financial assistance? Our Welcome Home Loan** may be right for you! It's designed to help low to moderate income homebuyers achieve their dream of homeownership.

Features:

• Down payment as low as 3%

• Lower interest rates available for properties in low or moderate income census tract+

• No Private Mortgage Insurance (PMI) paid by borrowers on loans in low or moderate income census tracts

• Accommodates a variety of down payment and closing costs assistance programs including grants, subsidies and savings clubs from eligible public and government agencies

• Plus ask about our Buyer's Advantage Program1 which offers $5,000 toward closing costs or down payment expenses

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Questions? We have answers! Schedule a consultation and let our experts be your guide.

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*Annual Percentage Rate (APR) Effective Date February 7, 2025. 15 and 30 year fixed rates are based on: $300,000 loan amount, a minimum credit score of 740, 75% LTV, primary residence, single family detached in New York, first lien mortgage without subordinate financing, and with escrows for taxes. Rates may be higher for refinancing of subordinate liens and/or cash-out transactions. Loans over 80% LTV require Private Mortgage Insurance (PMI). Rate Lock periods are 50 days for purchases and 50 days for refinances. 15 year fixed mortgage monthly payment example is 180 equal and consecutive monthly payments of $2,592.75. 30 year fixed mortgage monthly payment example is 360 equal and consecutive monthly payments of $1,970.79. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Rates are subject to change.

**The Welcome Home Loan product is available only in the following counties in: New Jersey - Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union, and Warren; New York - Brooklyn, Bronx, Queens, Nassau, and Orange; Pennsylvania - Bucks, Lehigh, and Northampton. Income limitations and maximum loan amounts apply. Borrower may be required to complete an accredited home ownership course to qualify.

+Rate Discounts are limited to properties located in a low or moderate income census tract within the Bank's assessment area. Income limitations apply. To see if your property is in a low or moderate income census tract: https://www.huduser.gov/portal/qct/screen2.html

1Property being purchased must be located in a low or moderate income census tract within Provident Bank’s assessment area.

Lender NMLS #645602