Provident Bank
Go To www.providentnj.com
Or Call 1-800-448-PROV To Apply For A Loan Now!

New Jersey's Oldest Bank

Meeting the needs of New Jersey people and business since 1839

At the Provident Bank we're committed to providing the best financial products and solutions for our valued cusomters.

If you want to buy or refinance a home in New Jersey, Provident is here to help you. We have a variety of mortgage products at great rates and can meet virtually anyone's needs. At Provident, you'll get personalized assistance through every step of the process. We can help take the mystery and stress out of financing or refinancing your home.

With $6.2 billion in assets and 85 branches in northern and central New Jersey, Provident offers you the wide scope of services that you expect from the "big" banks, with friendly, personal service of a community bank.

Try the "Provident treatment" for yourself. Call, visit our web site, or drop by a branch and find out how Provident can help you with your home financing needs.

We go out of our way to make the application and approval process easy, Apply online at www.ProvidentNJ.com to receive an instant decision.

Provident has a wide variety of home loan products. We can help you find the one that's right for you:

  • Fixed Rate Mortgage with a variety of terms
  • Adjustable Rate Mortgages
  • Bi-weekly payment options
  • FHA Loans
  • Low/moderate income loans
  • First Time Homebuyer
  • Home equity loans and lines of credit

Our Best Mortgage Rates
Instant Decisioning: Go to Providentnj.com and be approved today!

Program Rate Points APR P & I
per $1,000
Fees In
 30 Year Fixed (to $417,000) 4.625% 0 4.68% $5.14  721.00
 15 Year Fixed (to $417,000) 3.625% 0 3.73% $7.21  721.00
 15 Year Jumbo (to $1,500,000) 3.750% 0 3.85% $7.27  721.00
 30 Yr Bi-Weekly (to $1,500,000 4.875% 0 4.93% $2.65  721.00
 20 Yr Bi-Weekly (to $417,000) 4.250% 0 4.33% $3.10  721.00
 20 Yr Bi-Weekly (to $1,500,000 4.500% 0 4.58% $3.17  721.00
 5/1 Year ARM (to $417,000) 3.125% 0 3.01% $4.22  721.00
 7/1 Year ARM (to $417,000) 3.625% 0 3.28 $4.56  721.00
 10/1 Year ARM (to $417,000) 4.250% 0 3.81% $4.92  721.00
Rates as of December 06, 2013 and are subject to change.
[The information on this page is updated directly by the lender using HSH's LiveEdit service. Please contact the lender with any questions or comments about the information posted here.]

Special Mortgage Programs

  • 20 Year Bi-Weekly Program
  • 1st Time Home Buyers Program
  • "Neighborhood Loan" Program
  • 5% Down Payment Option
  • Free Pre-Qualification
  • Free Rate Float Down
  • Construction Loans

Rates quoted assume 20% down payment. Mortgages with down payments less than 20% down require Private Mortgage Insurance and will result in higher APRs and payments. Conforming Fixed Rate Mortgage amounts to $417,000. ARM Rate Caps: 2% per adjustment, 6% lifetime change. All programs, except "Jumbo Fixed Rate Mortgage" available for 1 to 4 family owner occupied residences. Jumbo Fixed Rate Mortgages available for 1 and 2 family owner occupied residences only. ARM and Jumbo Fixed Rate Mortgage amounts up to $1,000,000. Other terms and restrictions apply. Call for details.

Home Equity Loans

Programs Available

  • Fixed Rate
  • Home Equity Line of Credit
  • First Lien Home Equity Loan
  • "Neighborhood Loan" Program

Current Rates

Program Rate APR P&I
per $1,000
 5 Year Fixed Rate 4.250% 4.250% $18.53
 10 Year Fixed Rate 4.500% 4.500% $10.36
 15 Year Fixed Rate 4.875% 4.875% $7.87
Rates as of December 02, 2013 and are subject to change.
Rates shown include 1/4% rate reduction for automatic payments transferred from a Provident checking account.

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Provident Bank

100 Wood Avenue, South
P.O. Box 1001
Iselin, NJ 08830-1001
Phone: 1-888-534-8979

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