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Dreams2Keys

The Peoples Bank Dreams2Keys¹ residential loan program is one way that we help our customers fulfill the dream of homeownership. Peoples Bank is your connection for information and assistance. A Peoples Bank Mortgage Consultant will help guide you through the process. We can provide financial education assistance and lending expertise on your journey to owning a home.

The Dreams2Keys Program Provides:

  • Up to 100% Financing available²
  • Fixed rate, up to 30 years
  • No private mortgage insurance requirement
  • No bank origination fees
  • Escrow for repairs available³

Who Qualifies for this program?

  • Eligibility is based on household income or location of the home.
  • Low-to-moderate income eligibility is determined on 80% of the county median family income where the home is being purchased.
  • Property located in a qualifying neighborhood¹

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¹Applicant(s) documented income must be at or below 80% Area Median Income (AMI), or the subject property must be located within a Low to Moderate-income census tract area or located in a Majority Minority census tract that has greater than or equal to 50% minority population.

²Qualifying neighborhood designated must meet low to moderate income tract requirements.

³Maximum of $5,000, total loan amount with repair escrow not to exceed 100% LTV.

This is not a commitment to lend or extend credit. Information is subject to change without notice. All
loans subject to application, credit and collateral approval. Peoples Bank is not acting on behalf of, or
at the directions of, the VA, FHA the USDA or the Federal Government. Other exclusions may apply.

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