Fulfill your dreams of homeownership.

Peoples Bank’s Dreams2Keys1 is a mortgage assistance program. Our local mortgage consultants will guide you through the lending process, providing homeownership resources along the way.

Program Benefits

1.00% rate discount for qualifying2 properties

No private mortgage insurance requirement

Up to 100% financing available

No bank origination fee

Fixed rate up to 30 years

Escrow for repairs available3


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

Current Peoples Bank Customer:
Purpose of Loan:

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 properties located within a Majority Minority census tract are eligible for a 1.000% discount on current available rate. Non-traditional credit history option available for LTV up to 97%.
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. Conditions and restrictions may apply. 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 direction of the VA, FHA, the USDA, or the Federal Government. Consult a tax advisor regarding tax deductibility. Interest on loan greater than Fair Market Value is not tax-deductible. Other exclusions may apply. MIP is Mortgage Insurance Premium.
NMLS# 617258
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