Provident Bank Mortgage

Provident Bank
3756 Central Avenue
Riverside, CA 92506
Phone:  (951) 686-6060

Access Plus Direct Talk
24 Hour Information
Phone:  (800) 442-5201

Provident Bank Mortgage
Direct Loan Center
Monday - Friday
8:30 a.m. - 5:00 p.m
Phone:  (800) 250-1713

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Loan and APR Information for programs on Today’s Conforming Rates As of :			February 3rd, 2012
	30-Year Fixed	15-Year Fixed	5-Year Fixed to 1-Year ARM
Interest Rate	3.875%	3.250%	3.000%
Total Points	0.125%	-0.000%	0.500%
APR	3.924%	3.336%	3.067%
Payment Term	30 YEARS	15 YEARS	5 YEARS
Estimated Additional Prepaid Finance Charges	$1,349.00	$1,349.00	$1,349.00
Loan Amount	$417,000.00	$417,000.00	$417,000.00
Monthly Principal & Interest Payment	$1,960.89	$2,930.13	$1,758.09
Period to First Interest Rate Adjustment	N/A	N/A	5 YEARS
Maximum Lifetime Caps – Over Original Rate	N/A	N/A	5.000%
Index as of February 3rd, 2012	N/A	N/A	1.110%
Margin	N/A	N/A	2.250%
Fully-Indexed Rate (Index plus margin) *	N/A	N/A	3.500%
Payment at Fully-Indexed Rate	N/A	N/A	$1,850.13
Maximum Interest Rate	N/A	N/A	8.000%
Payment at Maximum Interest Rate	N/A	N/A	$2,918.45
* rounded to nearest 1/8 percent.

Adjustable Rate Mortgages(ARM)the new interest rate at adjustment will be the average interbank offered rates for the One Year U.S. Dollar denominated deposits in the Loan Market(LIBOR)as published in the Wall Street Journal, plus a margin of 2.250% subject to annual and lifetime adjustment caps. Rates subject to change without notice.

Subject to borrower and property qualification. All loan products and terms are subject to change without notice. This is not an offer for an extension of credit or a commitment to lend. Provident Savings Bank, F.S.B.


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