A Better Way To Get A Mortgage

Welcome to Provident Mortgage Services! We're your California home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

Contact Me Today! Apply Now!
Provident Mortgage Services

Provident Mortgage Services

President
NMLS# 290160

(800) 303-4883 Email Me

Explore Your Loan Options

Learn More

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

Current

California

Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate2.25%
1W Change 0.00%
APR2.902%
1W Change 0.00%
Last Updated: 01/23/2021

Conventional Loan Purchase - 30 Year Fixed

Rate2.77%
1W Change 0.16%
APR2.822%
1W Change 0.16%
Last Updated: 01/23/2021

VA Loan Purchase - 30 Year Fixed

Rate2.31%
1W Change 0.18%
APR2.549%
1W Change 0.23%
Last Updated: 01/23/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Provident Mortgage Services to receive a personalized rate for your specific situation.

Current

California

Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate2.35%
1W Change 0.05%
APR3.023%
1W Change 0.06%
Last Updated: 01/23/2021

Conventional Loan Refinance - 30 Year Fixed

Rate2.72%
1W Change 0.11%
APR2.778%
1W Change 0.11%
Last Updated: 01/23/2021

VA Loan Refinance - 30 Year Fixed

Rate2.30%
1W Change 0.07%
APR2.606%
1W Change 0.10%
Last Updated: 01/23/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Provident Mortgage Services to receive a personalized rate for your specific situation.

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Renting Vs. Buying in California California January 22, 2021

Renting Vs. Buying in California

With today’s low mortgage rates, there’s great opportunity for current California renters to make a move into homeownership that stretches each dollar a little bit further. While the best timeline to buy a home is different for everyone, the question remains: Should I continue renting or is it time for me to buy? The answer…

Read More
Easy Ways To Upgrade Your California Home’s Curb Appeal California January 15, 2021

Easy Ways To Upgrade Your California Home’s Curb Appeal

A tidy, tasteful home will catch any buyer's eye. That's why many people put effort into fixing up—and even staging—the interior of their home before putting it on the market and hosting open houses. But did you know that an unkempt exterior could deter potential buyers from even setting foot in the door? That's right.…

Read More
Explaining Some Common Mortgage Programs California January 9, 2021

Explaining Some Common Mortgage Programs

When you get a mortgage in California, there are several options you can choose from, including FHA, VA, and USDA mortgages. The one you select will determine how big a down payment you’ll need, what credit score you should have and all the other requirements you’ll need to meet. But choosing the right mortgage product…

Read More
X

Get in Touch

Contact Provident Mortgage Services

Provident Mortgage Services

2372 Morse Ave, Suite 397
Irvine, California 92614
(800) 303-4883
NMLS# 290160

Send an Email

X Provident Mortgage Services

If you have any immediate questions or concerns don't hesitate to give us a call @ (800) 303-4883

0%

I agree to the following terms & conditions