Dreams2Keys Residential Home Loan Program

Dreams2Keys¹ Residential
Home Loan Program

Mortgage Assistance with up to 100% Financing²

The Dreams2Keys Residential Home Loan program is designed to provide mortgage help for low-to-moderate-income borrowers looking to achieve homeownership. With flexible terms and reduced upfront costs, this unique home loan assistance program makes it easier to move forward with confidence.

Whether you’re a first-time buyer or looking for additional mortgage assistance, our local Mortgage Consultants will guide you through the lending process, providing homeownership resources along the way.

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Key Benefits of the Dreams2Keys Program

This program is ideal for buyers seeking down payment assistance alternatives and affordable long-term financing. Qualified borrowers may take advantage of:

Up to 100% Financing²

Up to 100% financing available, making homeownership more accessible

No Origination Fees

Reduce upfront expenses with no bank origination fee

1.00% Rate Discount³

1.00% rate discount for qualifying properties

No Private Mortgage Insurance (PMI)

Save on monthly costs with no Private Mortgage Insurance requirement

Fixed-Rate Mortgage

Enjoy predictable monthly payments with a fixed rate up to 30 years

Escrow for Repairs⁴

Include financing for eligible home repairs into your loan

Apply for the Dreams2Keys Program

Ready to take the next step? Fill out the form below to get started and connect connect with a local Mortgage Consultant who can determine if the Dreams2Keys program is right for you.

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Current Peoples Bank Customer –None– Yes No

Purpose of Loan –None– Purchase Refinance Other

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NMLS# 617258

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.

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.

²Non-traditional credit history option available for LTV up to 97%.

³Qualifying properties located within a Majority Minority census tract are eligible for a 1.000% discount on current available rate.

⁴Maximum of $5,000, total loan amount with repair escrow not to exceed 100% LTV.