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Provident Funding has been my mortgage company since 2012. I have never, ever had a good interaction with this highly unprofessional and arrogant firm. Today was no exception. They completely bungled updating the home insurance information on our home and seem pathologically incapable of resolving it. They were faxed complete information for a new home insurance policy issued by Lloyds of London including the policy number, declarations, the effective date, my broker's name and contact information, and more. My broker has evidence of the... Read more

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When I called about the bad letter I received, they didn't even try to help. Even though I had a letter from them telling me it was ok they would work with me, this letter told me I was no longer eligible ? Even customer service was confused about the meaning of MODIFICATION. What the supervisor told me was....The letter didn't have anything to do with my situation, and that I had never applied for a short sale? Apparently the letters I have didn't mean what they said. I got the feeling they were saying was It was my fault for believing what... Read more

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I`m a disable person who`s only income is through social security disability. Provident Funding discriminates against any disable applicant who all monthly income derives from any government assistance. Even though I never had a late payment in the 5 years since the loan , have a 830 credit score , $ 200,000 in home equity , plenty of cash in the bank , have a steady income through SS disability until retirement when turning 66 , I was not able to refinance my mortgage at a lower rate. To refinance my mortgage they wanted proof from Social... Read more

Was this review helpful? 1 0

We have had a mortgage through Provident for quite a while now- we have NEVER made a late payment. A few years ago my husband lost his job- we called they would not help us- we still never missed a payment. The HARP program came along I called they said they were not participating. Now that we have requested the payoff letter they are calling, and e-mailing trying to get us to stay. When we told them we were happy to be leaving and all their sudden offers were not worth us staying they hung up on us. This company is a mortgage service... Read more

Was this review helpful? 5 0

My husband and I both have great credit (750+) and had our mortgate through Provident for 7 years before deciding to refinance. We wanted to go from a 30 year to a 15 year loan at half the rate we were currently at. No problem they told us, got all the paper work to them, they gave us a GFE which looked ok. Come the day before closing they told us they could no longer offer us the 3.37% at 15 years. It had to be a 4.5% at 30 years! I have never heard of a type of loan disappearing the day before closing. Needless to say we told them... Read more

Was this review helpful? 1 0

Their inability to send either a monthly reminder via mail or email is inexcusable. I have many bills, many properties with different companies and many personal items(3 kids) to deal with on a monthly basis. Their unbending tactic of denying any source of reminder is ridiculous. You can pay on your own memory or use their direct autopay. There is no way I'm letting this shady company near my personal bank account and nor should I have to do this! Oh, they do give you a nice yearly coupon book like in 1980 as if I'm paying rent with only 2... Read more

Was this review helpful? 1 0

Provident Funding is the worst company ever for customer service... I had one late payment in a 10 year plus history with them and they would not waive a one time charge, when we had an illness in the family and the mortgage was not paid until two days after the due date ... We had a perfect credit history with them for OVER TEN YEARS and they would not even grant a one time courtesy for a good customer...The charge was $66. + change Provident Funding made over $30,000.00 plus in interst alone on our loan ...All they want is too put money in... Read more

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Since we were leaving for a month for a European trip, I mailed in May's payment early with a note saying this is May's payment but I mailed it on 27th April with May 1st on the check for a May payment so we would pay on time. hey received it at 4pm on April 28th but because it was a May payment three days early, they returned the check to me, charged me a late payment fee of over $23 and sent two letters threatening my credit report and it is only May 23rd!!!! We got back from our trip on May22 to open the ail and find they were threatening... Read more

Was this review helpful? 2 0

I tried to short sale my home because my husband worked out of state and the only way for him to get back was to get rid of our highest debt. We got an offer within two weeks. Provident Funding's investor, Freddie Mac, turned it down because I was current on my payments even though I told them that if one of us missed any work we wouldn't be able to keep up and that is why we were trying to sell the house before we couldn't pay anymore! Well my husband got laid off for two weeks and we couldn't pay our mortgage. We put it up for sale again... Read more

Was this review helpful? 4 0

I just closed my loan 08/05 on a purchase and I can't think of any easier process in my life. In addition to the smooth process, I also secured an interest rate .75% better than any other lender could quote me. I will save and estimated $3000 this year alone. I anticipate substantial savings over the life of the loan but would be difficult to tally without a comparitive amortization schedule with the higher rate. It sounds like all the people complaining have issues brought upon themselves by not paying on time or the correct amount. I'm... Read more

Was this review helpful? 0 1
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