Home Mortgage Loans

One mortgage fits all — that's something you'll never hear at Peoples National Bank. When it comes to your home-buying needs, our experienced, locally-based mortgage lenders go to great lengths to understand your unique situation and customize financing accordingly.

We offer a wide range of mortgage options to suit customers ranging from first-time homebuyers to investment homeowners. Plus, we handle everything right here where you're looking to buy for the quick, dependable answers you deserve.

  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Nationwide Lending
  • Repayment terms suited uniquely to each customer's individual situation
  • Several lending programs to fit unique needs, including:
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Conventional Financing
  • FHA
  • IHDA Access
  • USDA Rural Housing program
  • VA Loan program
  • Home Possible & Home Ready Loan programs
  • First-Time Home Buyer programs
  • Jumbo Loan financing
  • Construction Loans
  • Attentive lending professionals that understand the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Quick and easy online application process
  • Thorough mortgage calculators that help to determine affordability, your true loan cost, and likelihood of approval
  • Local decision-making and processing
  • Personalized service that aligns our offerings with your needs
Financing Options

Fixed-Rate Mortgages

Enjoy an affordable payment with a fixed-rate mortgage for the life of your loan. Your interest-rate will never change. If you're looking for stability...your payment will always be the same.

Adjustable-Rate Mortgages

This has an interest rate that is fixed for a period of time and can increase or decrease annually. This type of mortgage may be a good choice if you're planning to move or refinance during your loan term.

First-Time Home Buyer

Your first home purchase is an exciting event. We can make it even more exciting by offering very low down payment options and competitive fixed-rates allowing you and your family to take ownership of your new home.

Conventional Financing

  • Down payments as low as 3%
  • Acceptable gift funds can be used for down payment
  • Fixed and adjustable rate options
  • No monthly mortgage insurance, if LTV is 80% or less
  • Financing available on manufactured homes

IHDA Access

  • Down payment assistance options
  • Contribute $1,000 or 1% of purchase price, whichever is greater
  • Fixed rate options
  • No monthly mortgage insurance options available
  • Available to first-time and repeat homebuyers


  • No down payment
  • Seller can contribute up to 4% of sales price toward closing costs & pre-paids
  • Fixed and adjustable rate options
  • No monthly mortgage insurance

USDA Rural Housing

  • No down payment with closing cost financing available
  • Down payment assistance options
  • Fixed rate options

Home Possible & Home Ready

  • Low down payment
  • Down payment assistance options available to qualified borrowers
  • Fixed rate options

Jumbo Financing

  • Down payment as low as 10%
  • Fixed and adjustable rate options
  • Loan amounts $453,101 to $3 million


  • Down payment as low as 3.5% and may be gifted
  • Seller can contribute up to 6% of sales price toward closing costs & pre-paids
  • Fixed and adjustable rate options