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Mortgage Rates

FHA 30 Yr. Fixed Points Payment
4.500% 5.330% APR* 0.375pts $825
VA 30 Yr. Fixed  
4.500% 4.754% APR* 0.625 pts $821
Conventional 30 Yr. Fixed  
4.625% 4.784% APR* 0.875 pts $823
Conventional 15 Yr. Fixed  
4.000% 4.292% APR * 1.000 pts $1,184
*APR  = Annual Percentage Rate - this is the cost of credit over the term as the loan expressed as an annual rate. The APR shown here is based on the interest rates and points, it does not include other loan specific finance charges that you may be charged.
*All stated rates are effective as of  2/27/2018 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors.  30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans.  15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock. Rates may acutally be different from this page, and rates may change at anytime and without notice on this page.  NMLS#402641.  NMLS Consumer Access Site


Local People, Local Decisions

For over 100 years, Peoples Community Bank has been a part of the Northern Neck Community.  For generations our bank has helped the folks that live here realize the American Dream.  That dream has varied from purchasing a home, to buying that first new car, sending your child to college, or even taking that special vacation.  What is important to you, is what has been important to us.

You see, our lenders not only work here, they live here.  Yes we see our clients in the bank, but we look forward to meeting our clients as neighbors in the backyard, coaching little league on the weekends, or even gathering at one of the local churches.  When you apply for a loan at Peoples Community Bank, our lenders do not send your information to some far away big city like some other big banks.  Our lenders meet here in Montross Virginia to craft the best deal possible to meet the needs of our customers.  No big bank delays, no we lost your file.  Simply honest and quick answers to your financial needs.  Let me introduce you to our Lending Team.  If you would like to get to know them better or if you have a question, than reach out and shake hands by clicking on their email links below.  


Meet The PCB Lending Team

Robert K. Bailey, III - President - CEO:
Bob has over 30 years of banking experience and he lives right here in King George County Virginia. Bob leads his Team by example. Service, Value, and Integrity are the golden rules. Please meet a true Main Street Community Banker, please meet Bob Bailey. NMLS#402912


William E. Ware, III - Sr. VP - Sr. Lending Officer:
Ned is a truly skilled commercial lender who resides in Essex County Virginia. Ned has been crafting deals all over the region. Middle Peninsula, Northern Neck, Northern Virginia, Tidewater or Richmond Virginia...Ned knows the areas, and he understands how to get the deal done. Please reach out and shake hands with Ned Ware. NMLS#800570


Ms. Jen Dixon - Branch Manager Loan Officer:
Jen oversees our Main branch located in Montross Branch. Jen has over 9 years banking experience and lives in Westmoreland County Virginia. She is an expert in consumer and residential lending and knows the Northern Neck market very well. Jen will be more than happy to meet you in person at the Montross branche. May I present Jen Dixon. NMLS#430856


Ms. Joanne Lowery - AVP Branch Manager Loan Officer:
Joanne has over 35 years of banking experience and lives in the heart of the Northern Neck in Northumberland County Virginia. Joanne leads the Warsaw Branch and she lives and breaths A+ Customer Service. Joanne has helped countless families with their financial needs and dreams. Introducing Joanne Lowery. NMLS#402801


Ms. Jenny Books - Branch Manager Loan Officer:
Jenny is the Team Leader of our Fredericksburg Branch. Living in the Fredericksburg area, she is very active in the Fredericksburg Chamber of Commerce, Fredericksburg Builders Association, and she understands the Fredericksburg and Stafford markets very well. Auto loan, home equity line, home purchase, Jenny will find the right loan terms and rates to fit your budget. Let Jenny Books welcome you to her branch. NMLS#476224


Ms. StephanieAnn Burch - AVP Branch Manager Loan Officer:
Stephanie is truly one of our success stories. She hired in as a teller and has worked her way up to Branch Manager Loan Officer of the King George and Dahlgren Branches. Stephanie lives locally in the King George area and is one of the founding members of the King George Rotary Club. She is very skilled at both residential and commercial loans. Have a question about refinancing, then please ask StephanieAnn Burch. NMLS#402852


Mr. Georges Saison - Loan Officer:
Georges is one of our newest loan officers living in Richmond County Virginia. Georges enjoys meeting clients from all over the Northern Neck and Middle Peninsula. Car loan or home mortgage, Georges Saison would like to meet you and answer your questions. NMLS#1084150


Mr. William J. Kinnamon, III - AVP Commercial Loan Officer:
A lifelong resident of the Fredericksburg area, Will has over 17 years of community banking experience.  As a seasoned commercial lender, Will enjoys partnering with his clients in a timely and efficient manner to make their business dreams a reality.  Have a question about a lending need?  Reach out to Will Kinnamon for your solution.  NMLS#892008


Mr. E. William Martin - AVP Commercial Loan Officer:
Will is our commercial lender spearheading the bank’s emergence in the Hanover, Henrico and Richmond markets.  Will has over 13 years of banking experience and specializes in  commercial & investment real estate lending.  If you have a lending need, please give Will Martin a shout.  NMLS  #769448