Consumer Loans


Call us or come by and see us. A loan officer will be happy to give you all the details. For more information, please email a loan officer.

Mortgage Loans

Let us help you take the hassle out of home buying. Our staff of residential mortgage experts can help with mortgage options designed to fit your needs.

  • No-point Mortgage Loans
    • Adjustable rates
  • FHA & VA Financing
    • Fixed or adjustable rate financing available
  • KHC Financing
  • Rate locks available at application
  • Free prequalification
  • After hours appointments
  • No closing cost options available
  • Lot Financing

    • Flexible amortizations
    • Quick approvals
    • No origination fees

    Construction Loans

    • Interest only payments
    • Quick approvals
    • Loans to individuals & contractors

    Loan Process

    To speed up the loan process, you may want to gather the following information and bring it in with you at the time of your application:

    • Current Pay Stub
    • W-2’s (2 years)
    • Contract of Sale or Deed, if refinancing
    • Current Bank Statements or asset information
    • Monthly Debt information including monthly payment amounts and balances

    Home Equity Line of Credit

    A Peoples Bank Home Equity Line of Credit is a convenient, secure way to take advantage of one of your biggest assets, your home! Your line of credit can be designed to fit your personal needs and take the stress out of financing. This could be the last time you ever need to apply for credit!

    • Home Improvement projects
    • College expense
    • New vehicle
    • Consolidate debt
    • Recreation vehicle
    • Any personal expenditure

    Our Home Equity Lines of Credit are designed with you in mind:

    • Quick approval
    • Convenient check access
    • Interest may be tax deductible (Consult a tax advisor regarding the deductibility of interest)

    If you have any questions, you may contact us at (502) 538-7301. You will be required to disclose the following information at the time of your application:

    • Most current pay stub or W2's
    • Copy of your Deed
    • Most recent Property Valuation Statement
    • Statement of current mortgage balance, if any
    • Proof of insurance on property

    Subject to credit approval. Consult tax advisor regarding deductibility of interest. The variable Annual Percentage Rate (APR) is based on the Prime Rate published on the last business day of the month in The Wall Street Journal (3.50% as of December 17, 2015). Applicable interest rate varies depending on your credit qualifications, loan-to-value ratio (up to 90%), consumer choice of product structure, and payment from a Peoples Bank Mt. Washington account and may range from variable APR of Prime (plus) + 0% (with a Floor of 4.99% APR) to Prime (plus) + 4.00% (with a Floor of 8.99% APR), and will not exceed 24% APR. Advertised rate is valid only for new lines with a credit limit of $40,000 or greater. Other rates and fees are available on loans of $10,000 to $39,999. $174 closing cost. A $50 fee will be charged to your Line of Credit annually. A prepayment penalty of 2% of the initial credit limit of the plan will be charged if the line is closed by the borrower within 36 months of account opening. Property and flood insurance may be required. Other fees and restrictions may apply. Terms and conditions subject to change without notice. Please contact us for more information regarding rates, fees, terms, conditions and restrictions.

    Other Consumer Loans

    Need some extra cash for that vacation you’ve been planning….or maybe for that new car you’ve had your eye on? We’re here to help make your plans a reality!

    We would be happy to quote current rates and tell you about any special promotions for any of our loan products. Just give us a call or better yet, stop in to see us! Also, you may email a loan officer for a quote.

    • Auto, Boat, ATV, and Motor Home Loans
    • Personal Loans