Provident: Mortgage Loan Rates

Provident Credit Union Mortgage Rates

Rates are valid as of June 19, 2013, at 7:32 a.m. and are subject to change.
Rates shown assume the loan is for the purchase or no-cash-out refinance of an owner-occupied, existing single family residence serving as a primary residence, with a loan-to-value ratio of less than 75%, excellent credit, and a rate lock-in of 30 days (for fixed rate mortgages) or 45 days (for ARMs and Fixed/Adjustables).¹
Subscribe to Rate Watch Get a Customized Rate Quote

Fixed Rate Conforming Mortgages

Maximum Loan Amount: $417,000. APRs are based on a loan amount of $417,000.

Term in Years	Discount Points²	Interest Rate³	APR⁴	Payment per $1,000⁵	About
10	0.000%	2.875%	2.964%	$ 9.60	Details
	1.000%	2.750%	3.050%	$ 9.54	Details
	2.000%	2.625%	3.137%	$ 9.48	Details
15	0.000%	3.125%	3.186%	$ 6.97	Details
	1.000%	3.000%	3.207%	$ 6.91	Details
	2.000%	2.875%	3.228%	$ 6.85	Details
20	0.000%	4.000%	4.049%	$ 6.06	Details
	1.000%	3.875%	4.040%	$ 5.99	Details
	2.000%	3.750%	4.031%	$ 5.93	Details
30	0.000%	4.000%	4.035%	$ 4.77	Details
	1.000%	3.875%	3.993%	$ 4.70	Details
	2.000%	3.750%	3.951%	$ 4.63	Details

Fixed Rate Super-Conforming Mortgages

Maximum Loan Amount: $625,500 (up to $625,500 in Bay Area counties and certain other areas). APRs are based on a loan amount of $625,500.

Term in Years	Discount Points²	Interest Rate³	APR⁴	Payment per $1,000⁵	About
15	0.000%	3.500%	3.544%	$ 7.15	Details
	1.000%	3.375%	3.566%	$ 7.09	Details
	2.000%	3.250%	3.588%	$ 7.03	Details
30	0.000%	4.250%	4.276%	$ 4.92	Details
	1.000%	4.125%	4.235%	$ 4.85	Details
	2.000%	4.000%	4.194%	$ 4.77	Details

Fixed Rate Super-Jumbo Mortgages

For loan amounts above Super-Conforming. Amounts over $1,000,000 Available. APRs are based on a loan amount of $750,000.

Term in Years	Discount Points²	Interest Rate³	APR⁴	Payment per $1,000⁵	About
30	0.000%	5.000%	5.018%	$ 5.37	Details
30	1.000%	4.750%	4.856%	$ 5.22	Details

Purchase-Only Fixed/Adjustable Mortgages, 30-Year Amortization

Maximum Loan Amount: $1,000,000. Movable Mortgages also available at these rates. APRs are based on a loan amount of $550,000. To obtain refinance rates, contact a Provident loan agent.

Mortgage	Discount Points²	Interest Rate³	APR⁴	Payment per $1,000⁵	About
5/5	0.000%	3.250%	3.439%	$ 4.35	Details
5/5	1.000%	3.000%	3.432%	$ 4.22	Details
7/23	0.000%	3.125%	3.751%	$ 4.28	Details
7/23	1.000%	2.875%	3.716%	$ 4.15	Details
10/10/10	0.000%	3.875%	4.187%	$ 4.70	Details
10/10/10	1.000%	3.625%	4.116%	$ 4.56	Details

Purchase-Only Fixed/Adjustable Mortgages, 40-Year Amortization

Maximum Loan Amount: $1,000,000. Movable Mortgages also available at these rates. APRs are based on a loan amount of $550,000. To obtain refinance rates, contact a Provident loan agent.

Mortgage	Discount Points²	Interest Rate³	APR⁴	Payment per $1,000⁵	About
5/5	0.000%	3.250%	3.450%	$ 3.73	Details
5/5	1.000%	3.000%	3.443%	$ 3.58	Details
7/33	0.000%	3.125%	3.834%	$ 3.65	Details
7/33	1.000%	2.875%	3.803%	$ 3.51	Details
10/10/10/10	0.000%	3.875%	4.252%	$ 4.10	Details
10/10/10/10	1.000%	3.625%	4.189%	$ 3.95	Details

For more information or to apply by phone, call (800) 632-4600 and press 321.

1. Rate locks are available for applications submitted Monday-Friday 8 AM-1 PM (excluding holidays).

2. Discount points are paid to buy down the interest rates and are calculated as a percentage of the loan amount.

3. Interest rate based on credit history, 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.

4. 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.

5. Payment per $1,000 balance is based on the interest rate listed for the amortization term listed. Example: for a 30 year, $417,000 conforming mortgage with zero-points and a fixed rate of 4%, multiply 417 x $4.77 for a payment amount of $1,989.09 (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.

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.

Main Phone Number: (800) 632-4600

More phone numbers on Contacts page

Routing/Transit Number: 321171731

For electronic payments: More Info