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Home Loans

Find the Home Loan that Fits you Best

Home loans aren't a one-size-fits-all. We offer custom solutions for every situation.

When you choose one of our many home loan offers, you’ll enjoy some of the following benefits:

✔100% financing options available

✔Low rates

✔Variety of financing terms available – fixed rate, variable rate, etc.

✔Mortgage Consultants personally invested in you

✔Home loan resources

Documents You'll Need

• W-2s (for the last 2 years)

• Recent pay stubs

• Bank statements for all financial accounts

• Personal and business tax returns

What does the process look like?

• After you Apply Online and provide your documentation, we will pull your credit report, review your submissions and let you know if we need anything else.

• We will then order the proper inspections, process the loan and make a loan decision.

• Once the loan is approved, we will contact you to schedule a closing date and help you start shopping for Homeowners Insurance.


I am a first-time homebuyer.

Congratulations! No doubt you’re excited about the possibility of owning your own home. From FHA to USDA, we have an extensive suite of mortgage products available that will be sure to fit your needs.

We offer Zero Cost Loan Programs1 and 100% Financing2.

Want to learn more about the home loan process?

1Excludes prepaid items. 2Income restrictions apply.

I want to buy another home.

Ready for more bedrooms or a larger yard for your growing family? Or maybe the kids are grown, and you're ready to downsize. Our local Mortgage Consultants will guide you through the loan process, provide trustworthy advice, and offer great rates with terms that are easy to understand.

I want to refinance my current home.

Whether you need to refinance due to future goals and plans, desire a better rate, or need financial relief, we can make your home loan refinance work better for you.

I don't have a down payment.

We understand. Saving for a mortgage down payment can be difficult and, for some, inconceivable with all of life’s other pressures. That’s why our mortgage consultants have extensive experience delivering mortgage products and results that require no down payment.

In fact, we have a program designed specifically to help limited income borrowers fulfill the dream of home ownership1 – the Dreams2Keys Home Loan Program.

A few of the solutions offered with Dreams2Keys:

• Low or no down payments

• No private mortgage insurance requirements2

• No origination fees

• Flexible financing terms

• Available escrow for property repairs

• Acceptance of alternate credit references

• Fixed rate for up to 30 years3

• Eligibility based upon surrounding area, median income and number of persons in home

To find out more about our no down payment mortgage options or our Dreams2Keys Home Loan Program, partner with one of our mortgage consultants to start the application process today.

1Dreams2Keys income eligibility is based on 80% of the county median family income where the home is being purchased. Eligibility is also based on the number of persons in the home. Borrower must meet specific underwriting criteria. Hazard Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a Special Flood Hazard Area. See tax advisor for deductibility of interest. Interest on loan greater than Fair Market Value is not tax deductible. Escrow for taxes and insurance required, which could increase the payment amount. 2No Mortgage Insurance required for qualifying borrowers. 3Maximum LTV of 95% for 20-year term: maximum LTV of 97% for 30-year term.

I want to use my home's equity.

Get access to your home’s equity to remodel your kitchen, build a backyard oasis, or even send your child to college. The possibilities are endless with our Home Equity Loans and Lines of Credit.

I want to finance a second home.

Whether you’re looking to purchase a vacation home on the coast or build passive income through a rental property, our mortgage consultants can find a solution for financing your second home. We offer different options, utilizing great rates and numerous financing possibilities.

I need a Jumbo Mortgage.

If you’re seeking financing for a larger loan amount, our Jumbo Loan solutions provide the answer you need. Peoples Bank's Jumbo Loan financing ranges from $548,250 to $1,500,000, with as little as 5% down payment.

Qualify with credit scores as low as 700 for primary and secondary residences.

Our local and personalized service and variety of financing options deliver an unbeatable mortgage product and home loan experience.

I am a Doctor. Do you offer any unique loan programs for me?

Didn't find the answer to your question?

If you were unable to find an answer to your question, we would be glad to help you at 1.800.374.6123, from Monday - Friday, 8:00 a.m. - 7:00 p.m., ET and Saturday, 8:00 a.m. - 5:00 p.m., EST.

NMLS# 617258. All loans are subject to credit approval.

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