What To Do When You Can’t Pay Your Provident Funding Bill
Provident Funding is a mortgage company servicing many homes across America. Home ownership is the American Dream, but it does not mean mortgage payments are always easy to make. Need help? You’re not alone, and we’re here to give you information you need.
How To Pay The Bill
Provident Funding allows customers to pay their bill via mail, online, and by phone.
Pay by mail: To pay your Provident Funding bill by mail, send payment coupon, along with check or money order with your account number written on it to:
P.O. Box 513738
Los Angeles, CA 90051-3738
Pay online: To pay your Provident Funding bill online, you will have to visit https://www.provident.com/Origination/Default.aspx: sign into your account, and make the payment accordingly. A $15 fee is charged for online payments.
Pay by phone: To pay your Provident funding bill by phone, call the Easy Pay Line at (888) 593-2729. A $15 fee will be charged for this service.
Questions About Your Billing Statement or Account?
Have you noticed fees on your billing statement or account such as late payment fees and processing fees that were not explained to you? If this is the case, we suggest you review the Provident Funding FAQs. If you have additional questions, you should contact customer service at 1-800-696-8199.
How The Penalty Fees Work
You will be charged a late fee for not making your payment on time. You may also be charged a fee if your payment is returned by your bank for insufficient funds. If you go too long without making a payment, you could see negative impact on your credit report.
I Can’t Make A Payment
If you can’t make your Provident Funding bill payment, the company has several resources available to customers. The first step is to contact customer service at 1-800-696-8199. The customer service representative will provide you with one of three options, repayment plan, loan modification or short sale.
- Repayment plan – Your past due amount is broken into 10 equal amounts. This amount is added to your regular monthly payment.
- Loan modification – Your past due interest and escrow is added to your unpaid principle. Your payments are then re-amortized.
- Short sale – You will need to sell your home and use the money toward the balance of your loan.
Will They Work With Me To Pay My Bill?
Provident Funding will do everything they can to ensure your mortgage stays current. However, when payments are not made for several months on end, they may have to work to reclaim the home through foreclosure. If you are a current or past Provident Funding customer, please share your experience below to help other customers.