Mortgage Loans

Mortgage Loans

Credit History Peoples Bank has been a trusted mortgage partner since 2000.

Whether you’re buying your first starter home or expanding and purchasing your second home, Peoples Bank has the right mortgage solution to suit your financial goals. We offer Conventional, RD, FHA, and VA mortgage loans with competitive interest rates.

Our Mortgage Team

Dawn Creekmore

Dawn Creekmore

Consumer Lender
NMLS# 2119462

Chandler Jones

Chandler Jones

Mortgage Loan Officer
NMLS# 1909814

Watch Chandler's Bio Now

Apply Online

What is an FHA Loan? Please Note: Clicking the link below will cause you to leave the Peoples Bank website and be redirected to an external website.

Apply Online

Ready to Get Started?

Click to download and print an application

Conventional Mortgages

Fixed Rate mortgages provide the safety and security of set monthly payments for the life of the loan.

  • 30-year, 20-year, 15-year, 10-year
  • Purchases
  • Refinance and Cash-out Refinance
  • 1 – 4 Family Investments

FHA Mortgages

What is an VA Loan? A government-backed program ideal for first-time home buyers with a minimum down payment option.

VA Mortgages

Relaxed qualifying requirements and no down payment for many Veterans.

Rural Development 30 YR

A government-backed program for low to moderate income families that provides 100% financing.

In-House Balloon Payment Mortgages

Adjusted Rate Mortgages (ARMs) generally have a lower initial interest rate than fixed-rate loans. As the name implies, the interest rate adjusts according to an established index, after the initial term. ARMs could make sense for borrowers who expect their income to rise over the years or who plan to be in their home for a limited number of years.

  • An adjustable rate loan for customers who need a short-term option.
  • 3/1 ARM
  • 5/1 ARM

Preparing for a Mortgage Loan Application: What to Bring

Let's Talk Refinancing Below are items to bring when applying for a Mortgage Loan. This will help expedite the application process.

  • Drivers License for each borrower.
  • W-2s for the past two years.
  • Two most recent year-to-date paycheck stubs.
  • Residence address(es) for the past two years, landlord information if applicable.
  • Name and address(es) of each employer for the past two years.
  • If self-employed or commission, two years of tax returns.
  • If incorporated, two years of corporate tax returns.
  • Last two months of bank statements for all checking, savings and retirement accounts (all pages included).
  • Address(es) of other real estate owned.
  • Loan information on all real estate owned.

Quick Inquiry Form

Trigger Leads & National Opt-Out

When you apply for a mortgage, your credit report may be pulled as part of the loan process. That inquiry can trigger what’s known as a “trigger lead”—a signal to credit bureaus that allows other lenders to purchase your information and start contacting you with unsolicited offers. These calls and emails can feel overwhelming, especially when you're already working with a trusted lender like Peoples Bank. Fortunately, there is a way to opt-out of trigger leads.