Refinance Your Home
Options for Everyone
When you’re in the market to refinance your home, our goal is simple – let’s make it work. Whether you’re looking for a way to take cash out of your home, lower your monthly mortgage payment, or get your home loan paid off quicker, Peoples Bank has a refinance option for you. From local loan decisions and on-time closings to great rates and fair terms, our home loan specialists are here to help.
Find the Right Loan for You
Shorten Your Term
Lower Your Payment
Reduce your monthly payments by lowering your interest rate and/or refinancing into a longer-term loan.
Get Cash
Refinance Online
Ready to refinance your home loan? So are we! Our online application allows you to apply anytime from the comfort of your home and when it’s most convenient for you. It’s fast, powerful, and completely online. Use the application to buy, build, or refinance.
Work With a Home Loan Specialist
Our experienced team of loan professionals are ready to assist you every step of the way. Locally based, our home loan specialists work closely with you to make your dreams of homeownership come true.
Calculate Scenarios
Complimentary Mortgage Review
Opt out of Unwanted Mortgage Solicitations
Before applying, please note that when your credit is pulled for a mortgage application, the credit bureaus (Equifax, Experian, and TransUnion) may sell your information to third parties, resulting in unwanted solicitations from mortgage marketing companies. With the current market conditions, these companies are becoming more aggressive with their solicitations.
Peoples Bank will never sell your information.
To avoid these solicitations, we might suggest you look into this:
For unwanted mail solicitations, go to www.optoutprescreen.com or call 888-567-8688.
For unwanted phone solicitations, go to www.donotcall.gov or call 888-382-1222. Include all phone numbers currently in use – home and cell.
Please know that there is a delay for these to take effect. The opt out prescreen (mail) service is usually within 5 days. The do not call (phone) service may take up to 31 days for full implementation. It is prudent that you opt out as soon as possible in the process to avoid receiving calls from solicitors.
Mortgage Application Tips
Do
- Keep originals of or be able to electronically access your paystubs, bank statements, and other important financial documents.
- Use your own funds when providing an earnest money deposit on your new home purchase. Notify your home loan specialist if you plan to receive gift funds for closing.
- Let your home loan specialist know of any changes to employment, such as a recent raise, promotion, transfer, or change of pay status.
- Provide all documentation for the sale of your current home, including the sales.
- Continue to save money. Advances from credit cards for down payment or closing costs are never acceptable.
Don't
- Close or open asset accounts or transfer funds between accounts without asking your home loan specialist about the proper documentation required for your loan.
- Deposit any money outside your regular or automated payroll deposits.
- Change job or employer without asking your home loan specialist about the impact this change might have on your loan.
- Make major purchases or open or increase any liabilities, including credit cards, student loans, or other lines of credit. A new credit report may be pulled before closing.
- Make assumptions! Your home loan specialist is here to help you through the process, so ask questions.
Equal Housing Lender