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Rates and Pricing
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Things You Need to Know
Our Loan Process
Rate & Term Refinance
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Complete the form below and click the
button to see your mortgage rate quote.
Conforming 10 Year Fixed
Conforming 30 Year Fixed
Conforming 20 Year Fixed
Conforming 15 Year Fixed
Conforming 25 Year Fixed
Conforming 5/1 LIBOR (2/2/5)
Conforming 7/1 LIBOR (5/2/5)
Super Conforming 30 Year Fixed
Super Conforming 15 Year Fixed
Super Conforming 5/1 LIBOR (2/2/5)
Jumbo 15 Year Fixed
Jumbo 30 Year Fixed
Jumbo 5/1 LIBOR (2/2/5)
Jumbo 7/1 LIBOR (2/2/5)
New First Mortgage Loan Amount
Existing Second Mortgage (if any)
input the balance that will remain after the refinance is complete or, if a HELOC, the maximum credit limit.
San Luis Obispo
Rate & Term Refinance
Cash Out Refinance
paying off a non-purchase money 2nd mortgage (a second mortgage taken out after you bought your home) is considered
Number of Units
APR is calculated based on the following loan assumptions:
Current Index Value:
Number of units:
Provident Funding Administration/Commitment Fee:
30 Days Prepaid Interest*:
Total APR related charges used for calculating APR**:
* Prepaid Interest: Actual number of days may be less than 30 days.
** APR items do not denote all closing cost items. Provident Funding will issue Good Faith Estimate within 3 days receiving your loan application.
*** All rates and programs subject to loan underwriting and approval and may be subject to change, depending on your individual credit profile and other qualifications.
Term (Number Of Months)
Add To Principal and Interest (P&I)
New Principal and Interest (P&I)
(must be greater than current P&I)
One Time Principal Payment
Amortization Payment Calculation Summary
Principal & Interest Payment (P&I):
Total Monthly Payment:
Total Interest Paid:
Projected Schedule of
Based on the interest rate selected, there may be loan points paid by the customer to Provident Funding or a Credit provided by Provident Funding to the customer to cover some or all of the Non-Recurring Closing Costs associated with the loan.
In the "Pts/Credit" column, a positive dollar amount represents points to be paid to Provident Funding at closing while a negative amount shown in brackets ( ) represents a credit provided by Provident Funding to be used toward covering some or all of the Non-Recurring Closing Costs associated with the loan.
Any excess/unused credit will be retained by Provident Funding and not paid out as cash to the customer at closing.
Non Recurring Closing Costs (NRCC's) are costs that do not recur on an ongoing basis but are only charged in connection with the settlement of a new mortgage loan.
Examples of costs that would be considered Recurring would be Interest, Property Taxes and Insurance.
Examples of costs that would be considered Non-Recurring would be Origination/Discount Points, Administration/Commitment fee, Title Insurance fee, Recording fee, Notary fee, Mortgage Tax or Settlement fee.
A "No NRCC," or No Non-Recurring Closing Cost loan is one in which Provident Funding pays all non-recurring closing costs for the customer. The customer is still responsible for paying all Recurring Closing Costs such as Prepaid Interest, Property Tax, Hazard Insurance and Escrow reserves if the customer elects to establish an escrow/impound account.
Second Mortgage Pricing Matrix Add On Grid ::
The grid below is intended for add on information only.
Go to the program guidelines for Maximum CLTV's and Loan Limits.
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Having Trouble Making Your Payments
Having Trouble Making Your Payments?
Provident Funding is proud to offer assistance to borrowers who are experiencing hardships that impact their ability to maintain their mortgage obligations.
There are alternatives to FORECLOSURE but you must take action immediately and
CALL US TODAY
800-696-8199, Option 4
to speak with a Loss Mitigation Specialist or a Loan Counselor who can discuss your situation with you and may be able to help you avoid foreclosure.
Depending on your individual circumstances, you may be eligible for one of various repayment solutions, such as:
Forbearance: A forbearance is a temporary postponement of your regularly scheduled mortgage payments. It can be a partial forbearance, in which you are still required to make a reduced monthly payment, or a full forbearance, where the entire payment is put on hold.
A forbearance is most helpful in providing temporary relief for sudden, unexpected hardships that are expected to be resolved in less than a year. A common example would be a natural disaster, in which the property requires repairs and there may be a delay in receiving insurance proceeds.
Repayment Plan: A repayment plan allows a borrower who has fallen behind in their obligations to make an increased payment for a designated amount of time, with the extra amount going towards the missed payments until the loan is completely current. Repayment plans do not provide payment relief, but do provide a way to help delinquent borrowers become current without having to fully reinstate the loan in one lump sum payment.
A repayment plan may be appropriate, for example, if you can normally afford your mortgage payment, were unable to pay for a short period of time due to an unforeseen circumstance, and cannot afford to pay all of the missed payments at once in order to bring the loan current immediately, but can afford a slightly higher monthly payment each month.
Modification: A loan modification brings your account up to date immediately by adding past due interest and escrow payments to the unpaid principal balance and re-amortizing your payments over a new term, and results in a permanent change to one or more of the terms in your mortgage agreement. In order to be considered for a loan modification, you must be able to document a qualifying hardship that has or will impair your ability to maintain the original terms of your contract over a long-term or permanent basis. You must also be able to document your ability to afford the new modified payment.
A loan modification may result in a temporary or permanent change of interest rate, an extension of your loan term, and/or an increase in the principal balance of your loan to account for any missed payments and arrearages. Certain government-backed loans may also be eligible for a principal forbearance.
Short Sale: A short sale allows a borrower to sell their property even if the proceeds from the sale will not fully satisfy the mortgage debt. In order to pursue a short sale, you must list your property with a qualified real estate agent and receive an offer from an unrelated third party. You may be required to make a cash contribution or sign a promissory note for all or some portion of the mortgage debt in order for the sale to be approved.
Deed-in-Lieu of Foreclosure: A deed-in-lieu of foreclosure is a last resort option in which you voluntarily sign over the deed to the property. In order to be considered for a deed-in-lieu, you must first pursue a short sale by listing the property for sale at market value with a realtor for an extended period of time.
To determine your eligibility for any of these options, we may ask you to complete a personal financial statement and to provide documentation such as your two most recent bank statements and payroll stubs, your most recent income tax return, and your expectations for future income. We may also require access to your property to determine its current value.
You may wish to contact a
CREDIT COUNSELING AGENCY
to assist you. The Department of Housing and Urban Development (HUD) can provide you with the name and address of the local HUD approved counseling agency by calling their toll-free hotline at
Keep in mind that any decision to offer a workout option is made on a case by case basis; the decision is dependent on the information you provide us and such an offer is not guaranteed. It is, however, important that
you call us as soon as possible
Any existing foreclosure action will not be stopped unless a workout option is agreed to and finalized by all parties; all fees and charges incurred must be paid but may be included in the workout option.
Properties in Washington:
If your property is located in the state of Washington, you may contact the Department of Financial Institutions, the Washington State Bar Association, or the statewide civil legal aid hotline for possible assistance or referrals at
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