Residential Loans

At Peoples Bank & Trust, we offer a range of residential loan options to meet your unique financial needs. Whether you are buying your first home or accessing equity from your current home, our community bank lenders have solutions and will work with you every step of the way.

We offer loans for:

• Residential Mortgage – Whether you are looking for a low down payment option or want to take advantage of a flexible rate, our Residential Mortgage loans make homeownership a reality. We offer competitive rates and terms on conventional and government-backed mortgages tailored to fit your individual needs.
• Home Equity Line of Credit – A Home Equity Line of Credit (HELOC) is ideal for those who need access to funds over time. With a HELOC, you can borrow up to 80 percent of the value of your home at an adjustable rate, providing access to funds whenever needed – perfect for when it’s time to update or remodel your home.
• Construction – If you’re ready to build the home of your dreams from the ground up, our construction loans are here to help make it happen! We offer several construction loan programs that provide the necessary funds while keeping your payments manageable throughout the process.
• Construction to Permanent – Looking for more convenience? A Construction-to-Permanent loan combines both construction financing and a mortgage loan into a single product – making it easier than ever before! Simply finance the building costs and then transition into a permanent mortgage once construction is complete – no need for two separate applications!

For more information about our residential lending services, please contact our community bank lenders at 770-932-1900. Our team will be happy to discuss how we can help you find the right loan solution for you.