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Stop waiting on a new home.

For a limited time, qualified borrowers can finance a new home, up to $300,000 with no down payment. If you’ve been shopping for new home loan, you know this is a very good offer. So don’t wait, get your application started today.*

Read complete details about this limited-time offer
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30 Day Closing Promise

SPECIAL OFFER! We'll close your home loan in 30 days or we pay your closing costs. Both buyers and sellers can have more confidence in planning around the sale when we commit to closing your loan in 30 days.**

Read complete details

Meet our mortgage originators

Suzanne Blackwell
Suzanne Blackwell
Mortgage Loan Originator
NMLS# 788532
Phone: 704-812-4281
Kevin Brady
Kevin Brady
Mortgage Loan Originator
NMLS# 441395
Phone: 704-812-4282
Shane Canipe
Shane Canipe
Mortgage Loan Originator
NMLS# 403493
Phone: 828-238-8929
Barbara Cole
Barbara Cole
Mortgage Loan Originator
NMLS# 717311
Phone: 828-695-2486
Deborah Pruitt
Deborah Pruitt
Mortgage Loan Originator
NMLS# 92496
Phone: 828-464-5620
Denise Williams
Denise Williams
Mortgage Loan Officer
NMLS# 788574
Phone: 704-658-3601
Wendy Cordero
Wendy Cordero
Banco de la Gente
Mortgage Lending Manager
NMLS# 788546
Phone: 704-554-7014

Peoples Bank Home Loan Programs

Fixed and Adjustable Rate Home Loans

We'll work with you to get the right loan for your situation.

  • Fixed and adjustable rate home loans
  • First-time buyer loans
  • Second mortgages
  • Lot loans
  • Second home loans
  • Home improvement loans

Reverse Mortgages

Unlock your home's equity to increase your monthly cash flow.

If you're 62 or older, a reverse mortgage can be an excellent way to unlock the equity in your home. Here are some important things a reverse mortgage and can do:

  • finance a home improvement,
  • pay off your current mortgage,
  • supplement your retirement income, or
  • pay for healthcare expenses

A reverse mortgage allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills. If you're a caregiver to a homeowner who is 62+, a reverse mortgage may give you more flexibility to deal with expenses while permitting the homeowner to stay in their home as long as possible.

It's important for homeowners who are considering a reverse mortgage to understand all the details about how reverse mortgages work, the types of reverse mortgages available, and how to make a decision that best suits your circumstances.

Important point: In a "regular" mortgage, you make monthly payments to the lender. In a "reverse" mortgage, you receive money from the lender, and generally don't have to pay it back for as long as you live in your home. The loan is repaid when you die, sell your home, or when your home is no longer your primary residence. The proceeds of a reverse mortgage generally are tax-free, and many reverse mortgages have no income restrictions.

Here's a link to the Federal Trade Commission, the country’s consumer watchdog, to help you learn more and see if a reverse mortgage is right for you.

Home Equity Lines

Cash when you need it, for all of life's real wants and needs.

A home equity line is a convenient credit line based on equity in your home. Use the money for everything from home improvement to bill consolidation.

Interest may be tax deductible so check with your tax advisor. Get your credit line now so you'll have the cash when you need it. You'll pay no interest until you actually use the money.

Construction Loans

Let us help you build your dream home.

Peoples Bank provides all kinds of construction financing and we make it affordable, so you can build a bigger home without bigger payments. Contact us for details.

Refinancing

Home loan refinancing can be a very cash-savvy move.

Refinancing offers the potential of:

  • Capturing a much lower rate
  • Enjoying a much lower monthly payment
  • Owning your home, free and clear, sooner, not later
  • Switching from an adjustable rate and payment to a fixed-rate, fixed-payment loan
  • Cashing out equity in your home for other purchases

*100% Financing Offer:

The Peoples’ Bank 100% home loan is a real boost to your checkbook. For a limited time, qualified borrowers can finance a new home, up to $300,000 with no down payment. If you’ve been shopping for a new home loan, you know this is a very good offer. So don’t wait, get your application started today.

Terms: 100% home loan program is a 5/1 adjustable rate loan with 30-year amortization. Initial term is 62 months. Rate may be adjusted annually. Maximum annual adjustment of 2% with lifetime cap of 6% (lifetime max 10.95%). Example: A rate of 4.95% with an Annual Percentage Rate of 5.19% based on a loan amount of $94,000.00. Third-party appraisal is required. Origination fee 1% and $500 commitment fee required. Maximum loan amount $300,000, minimum loan amount $40,000. 100% financing will result in no property equity until the loan principal is paid down through regular loan payments and/or the property value appreciates. If property values decline you could owe more than your property’s value. Owner occupied, primary residence properties only. No investor loans. Single-wide manufactured housing does not qualify. Eligible borrowers must be US citizens or permanent resident alien and reside in the Peoples’ Bank Market area. All loans subject to appraisal and underwriting terms & conditions. Other restrictions may apply. See bank mortgage loan officer for details and complete pricing disclosure.


**30-day closing program details:

Thirty day clock starts running when:

  1. Peoples Bank has a completed and signed Uniform Residential Loan Application, and
  2. All required applicant disclosures have been signed and returned, and
  3. Applicants have given Peoples Bank permission to order all credit reports, and
  4. Applicants have provided all the necessary credit, income, assets documentation required for underwriting.
  5. Thirty days means 30 calendar days from receipt of all information above until the closing/signing date of the loan. Funds disbursement may not occur on the same day as loan closing.

Terms: Only conforming mortgage loan requests between $100,000 to $417,000 for the purchase of a primary residence are eligible. Offer does not apply to jumbo loans, in-house loans, reverse mortgages, or government loan programs (FHA, VA, USDA). Offer excludes properties exceeding 20 acres. The term “closing costs” does not include borrowers’ escrows or payments for Homeowner’s insurance policy premiums, HOA dues, or real estate taxes. Peoples Bank is not responsible for delays in closing caused by third parties providing services in conjunction with mortgage applications. Other restrictions apply. Limited time offer. Subject to withdrawal without notice. Contact a Peoples Bank Mortgage Loan Originator for more details.