At PROVIDENT we offer Big Bank Loans at WHOLESALE rates. As an authorized provider of Fannie Mae, Freddie Mac, FHA & VA loans, we offer the exact same loan you’ll receive from your big bank EXCEPT we will save you THOUSANDS by offering you a lower rate and we offer loans with No points, No fees, No closings costs and nothing out of pocket. In additions, all of our loans come with NO early payoff or prepayment penalty. Our experienced mortgage experts will help you get the very best loan for your situation. Purchase, refinance, cash out, home improvements, reverse mortgage are just some of the ways we help our clients.