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Mortgages

Your Home is Waiting for You

We know purchasing or refinancing a house can be a daunting task, but it should be exciting. Our team of mortgage lending professionals can walk you through every step to help you make the best decision possible. PSBT offers multiple solutions to help you become a homeowner at any stage in life. From our first time home buyer program to our construction mortgage program, we have a little something for everyone.

Community Lending Program¹

Our Community Lending Program is more than just financing; it’s about empowerment. This initiative aims to assist low-to-moderate income borrowers access the necessary resources while boosting your buying power and providing essential support throughout the home buying process.

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Fixed Rate Mortgage Loans¹

PSBT offers fixed rate residential mortgage loans with maximum terms to 30 years. Competitive interest rates, flexible terms and low fees make our fixed rate mortgage a viable option for many customers.

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Adjustable Rate Mortgage (ARM) Loans¹

Let our mortgage professionals show you why an adjustable rate loan might be right for you. Advantages include a lower initial interest rate and lower monthly payments along with flexible terms and low origination fees. We offer several adjustable rate mortgage products including five, seven, ten and fifteen year ARMs.

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Construction Mortgages¹

PSBT offers a unique construction loan program that includes a one-time closing with a guaranteed rate lock at the start of the project. Interest only payments on funds advanced during the nine-month construction period are followed by regular amortizing monthly payments upon completion of your residence. All PSBT fixed and adjustable rate products are available for residential construction mortgages.

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Peoples Select MTG^{TM 1}

Peoples Select MTG^TM offers a fast, inexpensive and convenient mortgage alternative for the financing of your owner-occupied residence. Peoples Select MTG^TM is available for both refinance and purchase transactions with loan amounts up to $500,000.

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Refinancing¹

Refinancing your mortgage means to pay it off and get a new one to replace it. You may want to do this to change the rate, payment, or term or to take “cash-out” (equity) from your home to make improvements, cover large expenses, or consolidate debt. You apply to refinance, just like you would for a mortgage.

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Servicemembers Civil Relief Act Disclosure

DISCLOSURES

(1) All loans are subject to credit approval.

(2) Our mortgage loan applications are collected by Finastra, a trusted business partner. By proceeding, you will be directed to Finastra’s mortgage web center.