Provident Funding: Rates, Reviews, and Discounts

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Provident Funding was founded in 1992, and since then they have grown to serve almost 300,000 customers. They have a $60 billion loan servicing portfolio, and have provided funding for great than $100 billion dollars in the last five years. Provident Funding shows rates for 30 year fixed rate mortgages, 15 year fixed rate mortgages, 5/1 ARMs, and jumbo 30 year mortgages.

Provident Funding has more than 50 offices located across the United States, however, they only originate mortgages in the following 25 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington. Provident Funding also has some limitations on the types of loans they will originate for certain states. For example, they will not originate interest only loans in Illinois, nor will they originate cash-out refinance loans in Texas.

If your employer works with Provident Funding’s Mortgage Benefit Program, then you can be eligible for a 0.25% discount on your home loan. This is a unique and useful benefit that employers can offer their employees, especially since every penny matters when it comes to saving money on a loan.

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