Skip to Main Content


Couple smiles as they hold the keys to their new home

The Peoples Bank Dreams2Keys¹ residential loan program is one way we help our customers fulfill the dream of homeownership. We are your connection for information and assistance, as one of our local mortgage consultants will guide you through the process. We can provide financial education assistance and lending expertise on your journey.

1.00% rate discount for qualifying² properties

The Dreams2Keys Program provides

• Up to 100% Financing available

• 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

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. 

loading gif