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Residential Loans

Financing a home is one of the bigger investments in life. Count on us for the residential home loans and resources you need to make your dreams come true.

residential loans icon

Residential Loans

Financing a home is one of the bigger investments in life. Count on us for the residential home loans and resources you need to make your dreams come true.

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Our Home Mortgage Product Line

Just as carefully as you choose a home, you want to choose your mortgage. At Peoples Federal Savings and Loan, we’ve got years of lending expertise and offer competitive fixed and adjustable interest rates.

  • Conventional Loans
  • Purchases
  • Refinances
  • Second Mortgages
  • Home Equity Loans
  • Construction Loans
  • Construction to Permanent Financing
  • Home Improvement Loans
  • FHA Loans
  • USDA Loans
  • VA Loans

Whether you are purchasing a first home, building your dream home, refinancing or remodeling a current home, we have numerous loan options and will assist you from start to finish. Let us make finding the right mortgage easy – so you can stay focused on your plans for the future.

house construction to permanent financing

Construction to Permanent Financing

Remove the worry of how much to borrow, how to access funds and possible unforeseen costs with our Construction to Permanent Financing loans. We get it – building your dream home requires flexibility and ease.

Our Construction to Permanent Financing loans makes it easy for you to access funds during the construction period and then, upon completion, begin paying back your loan. You close the loan only once, reducing the fees you pay.

  • May be used for new construction, personal residences only
  • Competitive, fixed-rate pricing.
  • To apply, you’ll need building plans, a selected contractor, construction schedule, property deed and other required documentation for obtaining a loan.

What will my monthly payment be?

Use our loan calculator to help you determine the loan financing amount and payment option best for you.

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Mortgage Rates

We offer several choices of mortgage loan products; each having specific requirements and different interest rate structures. Since lending programs and interest rates change frequently, please contact any of our locations and speak with a mortgage loan officer to determine the best product and interest rate to meet your need.

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Government Sponsored Home Loans

We provide government-insured home loans to help those seeking assistance in purchasing a home. VA, USDA and FHA first-time home buyer programs offer low down payments, low interest rates and relaxed credit standards. We are happy to provide government-backed loans that make it easier for you to qualify – with less money down – so owning a home becomes a reality.