Dawn Creekmore
Consumer Lender
NMLS# 2119462
Mortgage Loans
Peoples Bank has been a trusted mortgage partner since 2000. Whether you're buying your first home, refinancing, or purchasing a second property, we offer Conventional, FHA, VA, and Rural Development loans with competitive rates and local decision-making.
Our Mortgage Team
Chandler Jones
Mortgage Loan Officer
NMLS# 1909814
Conventional Mortgages
Fixed-rate mortgages that provide the security of predictable monthly payments for the full life of the loan — available in multiple term lengths.
Speak with a Loan Officer- 10, 15, 20, and 30-Year Terms
- Purchases
- Refinance and Cash-Out Refinance
- 1–4 Family Investment Properties
- Competitive Fixed Interest Rates
- Local Decisions
FHA Mortgages
A government-backed program ideal for first-time home buyers — with a minimum down payment option and more flexible qualifying requirements.
Speak with a Loan Officer- Government-Backed Program
- Low Minimum Down Payment
- Flexible Qualifying Requirements
- Great for First-Time Buyers
- Competitive Rates
- Local Decisions
VA Mortgages
Exclusively for eligible veterans and active-duty service members — with relaxed qualifying requirements and no down payment required for many borrowers.
Speak with a Loan Officer- For Eligible Veterans & Active-Duty Service Members
- No Down Payment Required for Many Borrowers
- Relaxed Qualifying Requirements
- Government-Backed Program
- Competitive Rates
- Local Decisions
Rural Development (RD)
A government-backed 30-year program for low to moderate income families that provides 100% financing — no down payment required.
Speak with a Loan Officer- 100% Financing — No Down Payment
- 30-Year Fixed Term
- For Low to Moderate Income Families
- Government-Backed Program
- Competitive Rates
- Property Must Be in an Eligible Rural Area
In-House Balloon / ARM
An adjustable-rate option for borrowers who expect their income to grow or plan to be in their home for a limited number of years. Generally carries a lower initial interest rate than fixed-rate loans.
Speak with a Loan Officer- Lower Initial Interest Rate
- Rate Adjusts After Initial Term
- 3/1 ARM Available
- 5/1 ARM Available
- Short-Term Borrowing Option
- Local Decisions
Download an Application
Prefer to apply on paper? Download and print an application, then bring it to any branch or hand it to your loan officer.
View All Loan FormsDisclaimer
All loan products are subject to credit approval, verification, and collateral requirements. Rates and terms are subject to change without notice. VA and RD loans are subject to program eligibility requirements. Peoples Bank is not associated with any government agency. NMLS# 462940. When you apply for a mortgage, your credit report may be pulled as part of the process — this can generate unsolicited offers from other lenders. You have the right to opt out of trigger leads. Call or visit a local branch for current rates and to get started.