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Mortgage Refinancing

If interest rates have dropped since you signed your home loan, it may be time to consider Mortgage Refinancing. Refinancing is simply the act of replacing your current home loan with a new mortgage. The Mortgage Experts at Peoples Bank will sit down one-on-one to review your mortgage and discuss your refinancing options. We even have some zero closing cost options! Let us discover if you qualify for a lower monthly house payment.

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Who is eligible for Mortgage Refinancing?

Refinancing is typically available on mortgages that have been held for four months or more. Applicants with a good credit history and high credit score will benefit from the lowest interest rates. Peoples Bank is proud to offer our customers a quick and simple online Mortgage Refinance application. Visit our online Mortgage Center to get started.

Refinance Existing Balance vs. Cash Out Refinancing

There are two great ways to refinance your mortgage with Peoples Bank. Chances are you’ve paid down the principal on your home loan during your first mortgage. You can now take out a new loan for just the amount you still owe on the house, or you can take out a new mortgage using the full market value of your home. If you decide to finance the full value of your home, you’ll “cash out” the equity you built on your last mortgage. Mortgage Refinancing can help lower your monthly payment, shorten the life of your loan, or put money in your pocket. Contact us to figure out the best refinancing option for your needs!


Do you have questions regarding the home loan process? We've compiled some Frequently Asked Questions to help! Click the button below to learn more!

Why Choose Peoples Bank?

Peoples Bank is proud to provide our customers with a knowledgeable lending team, who cares about you. As your hometown bank, we provide a variety of loans to help enrich and support our communities. We’re dedicated to our communities and look forward to helping you achieve your dreams. Stop by one of our ten convenient locations or contact us today!

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