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
  • 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
  • USDA Rural Housing program
  • VA Loan program
  • Home Possible & Home Ready Loan programs
  • First-Time Home Buyer programs
  • Jumbo Loan financing
  • 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.

Conventional Financing

  • Low fixed and adjustable rates
  • Down payments as low as 5%
  • Financing available on manufactured homes
  • Automated underwriting for quick loan approvals
  • Local processing for prompt and worry free closings

Freddie Mac Home Possible 97

  • Low 5% down payment
  • Flexible closing cost funding options
  • Low mortgage insurance requirements
  • Purchase and rate/term refinance
  • Competitive fixed and adjustable rates

Jumbo Financing

  • Loan amounts $417,001 to $2 million
  • Fixed rates available
  • 3/1, 5/1, 7/1, 10/1 ARMs
  • Non-permanent and permanent resident alien – up to $1.5 million
  • Purchase, Rate/Term Refinance, Cash-out Refinance

Part-Time Farm

  • Financing for homes with 5 acres of land or more
  • No maximum acreage limits
  • Fixed rate loan
  • Ideal for country homeowners or weekend farmers – primary residence or second homes (vineyards, permanent plantings, specialized crops)


  • No income limits
  • 3.5% down payment required, though may be gifted
  • Not limited to first time home buyers
  • Owner-occupied primary residence
  • Non-occupant co-borrowers allowed
  • Cash-out refinance may be permitted up to 85% LTV
  • Low fixed and ARM rates with low caps

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.