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CORPORATE INFORMATION

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

IMPORTANT NUMBERS

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

Debit Card PIN Update
Phone:  
(800) 567-3451

Provident Bank Mortgage
Direct Loan Center

Monday - Friday
Phone:  (800) 250-1713

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• ASSUMPTIONS

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Interest Rate 3.875% 3.250% 3.375%
Total Points 0.125% 0.375% 0.875%
APR 3.924% 3.371% 3.482%
Payment Term 30 YEARS 15 YEARS 5/1 ARM
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 $1,843.54
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 August 16th, 2017 N/A N/A 1.728%
Margin N/A N/A 2.250%
Fully-Indexed Rate (Index plus margin) * N/A N/A 3.999%
Payment at Fully-Indexed Rate N/A N/A $1,974.10
Maximum Interest Rate N/A N/A 8.375%
Payment at Maximum Interest Rate N/A N/A $2,973.96
Rounded to nearest 1/8 percent
 
Adjustable Rate Mortgage (A.R.M.) 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 the annual and lifetime adjustment caps. Rates subject to change without notice.

A monthly mortgage insurance premium could apply to loan amounts representing over 80% loan to value.



This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify. All loan products and terms are subject to change without notice. Provident Savings Bank, F.S.B
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NMLS ID#: 449980 | Routing Number: 322270518
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