Home Loans

Our commitment to New Jersey families and the communities we serve is unparalleled. We’re dedicated to providing our customers with step-by-step personalized assistance that reduces the stress of financing your home and makes the process more enjoyable.

Simply put, every customer of The Provident Bank is treated as a “preferred” client. If you’re ready to purchase or refinance a home in New Jersey, we’re here to help. We offer great rates and a wide variety of mortgage products that are sure to meet your needs.
  • Instant Decision - Found a home, need a loan?
    If you need a quick loan approval, complete an application online and obtain an instant decision within a matter of minutes. This conditional approval may be finalized once an appraisal has been completed, and the required documentation has been provided.


  • Pre-Approval - Shopping for a home?
    If you already know your financial requirements, but haven’t found the ideal house – get PRE-APPROVED! Complete an application, either online or with the help of a Mortgage Specialist. We’ll obtain your credit report and let you know if we can offer you a pre-approved loan. If you wish, you can even lock in the current rate while you’re still house hunting. When you’ve signed a contract, we will order an appraisal and issue a final loan approval, provided the loan-to value falls within established limits.
  • Pre-Qualification – How much can I afford?
    If you’re just beginning your search, you need to know how much house you are qualified to buy. Click here and enter basic income and debt information. We’ll let you know online the ideal loan products and the maximum mortgage loan amount for which you qualify. Pre-Qualification is totally free. Click here to start your Pre-Qualification process.