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Mortgage Loans

When you are ready to buy, build or refinance, we have a solution that meets your needs. We offer a wide range of mortgage products all with competitive rates and terms – and local lending professionals to help you choose what is right for you.

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


Fixed Rate Mortgage Loans

Peoples Security Bank 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.

Adjustable Rate Mortgage (ARM) Loans

Let our mortgage professionals show you the many advantages of an adjustable rate loan. 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 one, five, ten and fifteen year ARMs. Our mortgage professionals will help you understand how future rate changes can affect your loan.

Construction Mortgages

Our construction loan program is one of the very best within our markets. PSBT construction loans offer 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.

When choosing a construction lender, look to Peoples Security Bank and Trust for local, personalized, professional service backed by a bank serving our local communities for over 100 years.

First Time Home Buyers

We offer first-time home buyer programs that work with government financial assistance programs to allow for flexible down payments and maximum financing. Let us help you realize the dream of owning a home.

Peoples SelectMTGTM

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

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Contact us. We're here to help.

Our lending professionals will take the guess work out of determining what type of loan is best for your financial needs. Fill out the form below and a Mortgage Loan Officer will contact you as soon as possible. You can also call a Mortgage Loan Officer at 888-868-3858.

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