Mortgage FAQs

Get the answers you need to common questions about loan types, home equity & refinancing.

Are you unsure about certain parts of the mortgage process? Is this your first time buying a home or refinancing your mortgage?

It can be challenging to navigate the home buying/refinancing process and while we're always glad to help, we realize some people would rather read about it on their own. Please see below for some of our most popular frequently asked questions and don't hesitate to give us a call or fill out our contact form if you need more information.

Mortgage Calculators

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Home Equity Loans & Line of Credit

Find out what a HELOC is and how they could benefit you.

Home Purchase FAQs

Discover what you need to find the right loan for your needs.

Refinancing FAQs

Find out the benefits that refinancing your property could have for you.

Appraisal FAQs

We will shed some light on frequently asked questions related to appraisals.

What People Are Saying About Us

I am extremely pleased with the mortgage services provided by Peoples Bank & Trust Company. The team was highly professional, knowledgeable, and efficient throughout the process. They made the entire experience smooth and hassle-free. I highly recommend their services.

Joeseph B.

I had a great experience working with Michael & Peoples Bank & Trust Company. They were responsive, knowledgeable, and made the entire process smooth and stress-free. I highly recommend them to anyone looking to buy or refinance a home.

Benjamin G.

Thanks to my Michael's dedication and commitment, I was able to successfully close on my dream home. I highly recommend Peoples Bank & Trust Company to anyone seeking a reliable and trustworthy mortgage partner. Their professionalism, expertise, and exceptional customer service truly set them apart in the industry.

Mary M.

The communication from my Peoples Bank & Trust Company was prompt and transparent. He kept me informed of every milestone and ensured that I was well-informed about the progress of my loan application. I felt supported and confident in their abilities to navigate the complexities of the mortgage process. Great job!

Scott E.

Mr. Parker guided me step by step, explaining all the necessary information and answering all my questions with patience and clarity. He took the time to understand my financial goals and tailored a mortgage solution that best suited my needs. I'm very pleased with Peoples Bank & Trust Company!

Tim O.

I couldn't be happier with my mortgage experience. Michael was professional, knowledgeable, and provided excellent customer service. The team at Peoples Bank & Trust Company made the process smooth and hassle-free. Highly recommended!

Jim C.

Recent Mortgage Articles

VA IRRRL: Streamline Your Mortgage with Peoples Bank & Trust Company

For veterans, active-duty service members, and eligible surviving spouses with an existing VA loan, the VA Interest Rate Reduction Refinance Loan (IRRRL)—also known as a VA streamline refinance—offers…

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VA Home Loan Pre-Approval Process

Are you a veteran or active-duty service member ready to buy or build your dream home? Getting pre-approved for a VA home loan is the first step to securing a mortgage with up to 100% financing, low interest…

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Refinancing My VA Home Loan

Are you a veteran or active-duty service member looking to save money on your mortgage or tap into your home’s equity? Refinancing your VA home loan could be a game-changer, offering lower interest rates,…

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