Business Details
21 Years
experience
Your Trusted Mortgage Partner in New England
Province Mortgage Associates is a full-service, delegated mortgage lender licensed across Rhode Island, Massachusetts, Connecticut, New Hampshire, and Florida. Since 2005, we have prioritized an exceptional client experience, becoming a top referral-based mortgage company in our market. Our mission centers on creating successful homeowners by fostering the growth of our team, who deliver outstanding mortgage solutions while maintaining the industry's best reputation. We specialize in residential and commercial lending for purchase and refinance transactions, serving clients through personalized guidance and innovative tools like our online mortgage calculator. Our commitment extends beyond business, as we actively support local charities including the Ronald McDonald House, American Heart Association, and Toys for Tots.With offices in East Providence, Lincoln, Warwick, Westport, and Shelton, our team of expert mortgage advisors provides tailored support to navigate every stage of the mortgage process. We pride ourselves on transparency, accessibility, and a client-first approach, ensuring every customer feels informed and valued. Our outreach initiatives and partnerships with state housing programs reflect our dedication to community empowerment and sustainable homeownership. Whether you're a first-time homebuyer or seeking refinancing options, our licensed professionals offer competitive loan programs, including conventional, FHA, VA, USDA, and jumbo loans. Backed by decades of collective experience and a network of satisfied clients, we remain steadfast in our goal to guide every customer home.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
Refinance Programs
First-Time Homebuyer Assistance
Home Equity Loans
Online Mortgage Applications
Details
- Year established: 2005
Highlights and features
- We offer 18+ years of mortgage expertise across five states.
- Our team provides personalized guidance through every loan stage.
- We maintain top-tier licensing and partnerships in all operating states.
- Our online tools streamline mortgage applications and document management.
- We've supported over 10 local charities since 2005.
What people say
Excellent from start to finish
Very helpful and accessible
Seamless process exceeded expectations
Patient and clear communication
Top of the line professionals
Services
Conventional Loans
Conventional loans offer flexible mortgage solutions not backed by government agencies. These include conforming loans meeting federal limits and non-conforming options with customized terms. Benefits include potential elimination of private mortgage insurance with 20% down payments and adaptable qualification requirements. Ideal for borrowers with strong credit profiles seeking competitive rates for home purchases or refinancing.
FHA Loans
FHA loans provide accessible homeownership opportunities through government-insured financing. These mortgages require as little as 3.5% down payment with lenient credit requirements. They offer streamlined refinancing options and rehabilitation loan programs for property improvements. Perfect for first-time buyers or those with moderate income seeking affordable mortgage solutions with reduced upfront costs.
VA Loans
VA loans deliver exclusive mortgage benefits for military veterans and active service members. These zero-down-payment loans eliminate private mortgage insurance requirements and offer favorable interest rates. The program includes purchase and refinance options with minimal funding fees for qualified applicants. Designed to honor service members' sacrifices through accessible, cost-effective homeownership opportunities.
USDA Loans
USDA loans enable zero-down-payment home purchases in designated rural and suburban areas. These income-restricted mortgages offer competitive rates and low monthly payments for eligible borrowers. The program supports low-to-moderate-income families seeking affordable homeownership in qualifying locations, with special consideration for property eligibility and household income limits.
Refinance Programs
Our refinance programs help homeowners reduce monthly payments, access home equity, or adjust loan terms. Options include rate-and-term refinancing, cash-out refinancing, and streamline processes for existing loan holders. We specialize in evaluating individual financial situations to identify optimal refinancing strategies that align with long-term homeownership goals and current market conditions.
People
Samantha Currie
Mortgage Advisor
Experienced mortgage advisor specializing in first-time homebuyer programs. Known for responsive communication and thorough process explanations, guiding clients through complex mortgage transactions with clarity and patience.
Alan Conley
Senior Mortgage Advisor
Veteran mortgage professional with 23+ years of experience. Expert in simplifying mortgage processes for repeat clients, offering personalized guidance on purchase and refinance transactions with proven expertise.
Rhonda Mulligan
Mortgage Advisor
Dedicated mortgage advisor specializing in VA loans and first-time homebuyer assistance. Recognized for exceptional client support, timely communication, and expertise in navigating government-backed mortgage programs.
Ed Collins
Mortgage Advisor
Client-focused mortgage advisor providing comprehensive loan options and clear explanations. Known for accessibility and responsiveness, helping clients understand mortgage choices while maintaining transparent communication throughout the process.
Rachel St. Sauveur
Mortgage Advisor
Professional mortgage advisor delivering exceptional customer service with personalized attention. Specializes in creating comfortable mortgage experiences through clear communication, detailed explanations, and dedicated client support throughout the home financing journey.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse mortgages, and refinance programs with specialized options for first-time homebuyers and investment properties.
Are you licensed in my state?
We are licensed mortgage lenders in Rhode Island, Massachusetts, Connecticut, New Hampshire, and Florida, serving clients across these five states.
How can first-time homebuyers qualify?
Our first-time homebuyer programs include FHA loans with 3.5% down, RI Housing assistance, and conventional options with down payment support and educational resources.
Do you offer online mortgage tools?
Yes, we provide online mortgage calculators, document upload capabilities, and real-time loan status updates through our mobile-friendly platform for convenient application management.
What sets you apart from other lenders?
Our personalized service, local community involvement, and 18+ years of mortgage expertise create a client-focused experience with tailored solutions and responsive advisors.
How do I start the mortgage process?
Begin by exploring our loan programs online, then contact a dedicated mortgage advisor or apply directly through our website to initiate your home financing journey.
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