Home Loans

I've been helping borrowers like you purchase or refinance since 1986. After starting off as a mortgage broker, I joined The Provident Bank in 1988 and haven't looked back.

I specialize in FHA and conventional loans. FHA loans are great for borrowers with small down payments and/or weak credit, while conventional loans are typically suited for borrowers with stronger credit and down payments of 10% or more.

The bank carries traditional 30 and 15 year fixed, but also offers bi-weekly products which pay off faster, saving thousands of dollars in interest and rapidly building equity in your home. Our 20 year bi-weekly product is especially appealing, as the total interest over the life of the loan is about half compared to the interest paid on a traditional (monthly) 30 year fixed.

Adjustable Rate Mortgages (ARM's) offer lower initial rates for fixed periods of 5, 7 or 10 years before adjusting annually, and are best suited for borrowers seeking lower payments during the first several years of the mortgage, or those planning to move within 5 - 10 years.

My job as a Loan Officer is to get your application approved with the best possible terms. I'll take the time to walk you through the entire process. I stay with you from application through the closing date---you won't be left struggling with processors, underwriters and closing staff trying to decipher the mortgage process. I work with your Realtor and Attorney to get the loan approved and closed on time.

Easy application and approval process.

The Provident Bank of NJ makes it easy for you to select and apply for the right lending product that fits your needs. Click here to see the individual products and rates. No matter where you are in the home buying process, we can give you a quick response.

Contact me for a pre-approval for a home loan doug.hutchins@providentnj.com.