If you have a mortgage loan through Provident Funding you likely make monthly payments to pay down your home loan balance. Provident offers an online bill pay system to make it quick and convenient for borrowers to make mortgage payments digitally. Read on to learn how Provident’s online payment portal works and how to use it to pay your mortgage online each month.
About Provident Funding
Provident Funding is a nationwide mortgage lender headquartered in California. They offer a range of home loan programs including fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans and more. Provident services the mortgages they originate rather than selling them to other investors. This means you’ll make your monthly mortgage payments directly to Provident over the life of your loan.
Provident Online Account Access
As a Provident mortgage customer, you have access to their online home loan account portal. After getting your login details, you can use this online account dashboard for tasks like:
- Paying your mortgage online
- Viewing payment history
- Downloading tax documents
- Updating contact information
- Requesting payoff statements
- And more
The portal is available 24/7 so you can log in and manage your mortgage account anytime Let’s focus on how to make mortgage payments online through the portal,
Paying Your Mortgage Online
Provident offers an online payment system to allow fast and easy mortgage payments To pay your mortgage bill online
- Log into your account portal
- Select “Make a Payment”
- Enter payment amount
- Enter account and routing numbers
- Review and submit
Online payments are usually processed instantly or within 1 business day. Here are some tips for paying online:
Have Your Details Ready – You’ll need your bank account and routing number to set up and authorize payments from your linked checking or savings account.
Choose Your Payment Date – Pick the date you want the payment to process. Payments made after 10 pm PT may take an extra day to process.
Confirmation Email – You’ll receive an email confirmation with details of the online payment transaction.
Payment Receipt – Your account transaction history will show the online payment receipt.
Other Online Payment Options
In addition to payments directly from your bank account, Provident also allows online mortgage payments using:
- Debit card – A small fee applies
- Credit card – Subject to a 2.5% convenience fee
- Western Union – Available next day for an extra fee
While paying directly from your bank account is free, these other options give you some flexibility. Keep the fees in mind if choosing the debit/credit card or Western Union payment routes.
Important Payment Tips
To avoid issues when paying your Provident mortgage online, keep these tips in mind:
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Time payments to arrive by your due date to avoid late fees. Online payments may take 1 business day to process.
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Make sure the account you link for payments has sufficient funds. Rejected payments due to NSF will trigger fees.
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Set up alerts for payment confirmations so you know when your payment succeeded.
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Notify Provident if your linked bank account changes so your payments remain authorized.
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Watch out for suspicious emails asking for personal information. Provident will never email you for your login credentials.
Manage Your Mortgage Online
Sign up for Provident’s online account access as soon as possible after getting your mortgage. This allows you to monitor your balance, transaction history and tax documents in one convenient 24/7 online dashboard.
Perhaps most importantly, their online bill pay feature enables fast, easy mortgage payments from your smartphone, tablet or computer. Paying your home loan online saves time and gives you peace of mind knowing your payment succeeded. Take advantage of secure digital account management to simplify paying your Provident mortgage online each month.
Frequently Asked Questions
What information do I need to make an online payment?
You’ll need your account and routing number from your checking or savings account to link for online payments from your bank.
When will my online mortgage payment be processed?
Online payments are typically processed instantly or within 1 business day when entered before 10 pm PT. Allow extra time on weekends and holidays.
Is there a fee for paying my mortgage online?
There is no fee to pay directly from your bank account. Fees apply for debit card, credit card or Western Union online payments.
Can I set up automated monthly payments?
Yes, you can enroll in Provident’s Automatic Monthly Payment feature to have recurring payments automatically debited from your account.
What if I want to cancel an online payment?
You must cancel a payment before it is processed, typically within 1 business day. Contact Provident immediately if you need to place a stop on an online payment.
How do I change the bank account for my online bill pay?
Log into your Provident account and update your linked bank account under the “My Profile” section. Allow 1-2 billing cycles for the change to fully process.
How can I get an online receipt for my mortgage payment?
Your account transaction history and confirmation email will provide receipts for online payments. You can print or save these payment receipts.
