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.

IRRRL Program FAQs

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

What is a VA Jumbo Loan?

For veterans, active-duty service members, and eligible surviving spouses, the dream of homeownership is often supported by the benefits of a VA loan. Backed by the U.S. Department of Veterans Affairs…

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Save with a VA Home Loan Refinance – Lower Your Rate or Get Cash Out

For veterans, active-duty service members, and eligible surviving spouses, a VA home loan refinance provides a pathway to lower mortgage payments and/or access to your home’s equity. Backed by the Department…

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VA Streamline Loans: Simplify Your Refinance with Peoples Bank & Trust Co.

For veterans, active-duty service members, and eligible surviving spouses, a VA Streamline Loan, also known as an Interest Rate Reduction Refinance Loan (IRRRL), offers a hassle-free way to lower your…

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