At Provident Home Loans Inc. we offer our clients a wide variety of financial programs.

PROGRAMS

Approved FHA (HUD) correspondent lender with the ability to do refinances or purchases of up to 97% LTV and up to 85% cash out refinances.

FNMA and Freddie Mac conventional first trust deeds.

Approved by California Public Employees' Retirement System (CalPERS) to originate CalPERS loans throughout the State of California.

Investor or 2nd Homes - Purchases

FHA & VA Financing

Fixed Rate Construction Loans - Fixed Rate Construction Permanent Float Down Options

2nd Trust Deeds

NO POINTS - NO FEES PROGRAM

Eligible Property Types - Same as the Conventional Home Loan Program

Terms and Conditions - The terms and conditions lower out-of-pocket costs and are the same as the Conventional Home Loan Program. In addition:

• No out of pocket expenses for recurring and non-recurring closing costs up to three percent (3%).
• Borrower cannot receive any additional cash should actual closing costs be less than three percent (3%).
• Borrower will be required to put down at least five percent (5%) down payment.
• Borrowers participating in this program agrees to a five year pre-payment penalty.
  

If you’d like to talk to one of our loan program representatives, just call (800) 834-6088 (Ext. 55).