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Mortgage Rates

FHA 30 Yr. Fixed Points Payment
3.250% 3.626% APR* -0.082pts $815
USDA 30 Yr. Fixed  
3.500% 3.826% APR* -0.052 pts $773
Home Ready 30 Yr. Fixed  
3.50% 3.701% APR* -0.087 pts $941
Conventional 15 Yr. Fixed  
3.500% 3.951% APR * -0.018 pts $1,144
*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  8/22/2019 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


PCB Mortgages

For the biggest purchase of your life and the place you call home make sure you get a great deal and solid advice.  Peoples Community Bank has loan officers in every branch, making it easy and convenient to get the help you need.

Peoples Community Bank offers conventional long term fixed rate 15 or 30 year mortgages, as well as adjustable rate mortgages and balloon payment mortgages.  VA Loans, FHA Loans, USDA Loans and HARP Loans.  We offer loan programs for first-time home buyers, veterans, and everyone in between.  We have options with no money down, and ways to save big on interest over time.  Peoples Community Bank keeps closing costs as low as possible, in order to save you money.

Ready to talk to a PCB Loan Officer?  Than click on the "Start The Loan Process Now" tab under Loans above, or call your local branch and ask to speak to a loan officer today.  Prefer email?  Then click HERE and send your question.


Conventional loans are a great option for any borrower with good credit and a small down payment.  These loans usually require at least a 5% down payment of your own funds to purchase a home.  However, for any conventional loan with less than 20% down, you will be subject to mortgage insurance on the loan.  There are a couple of ways that the mortgage insurance can be paid.  It can be a monthly charge on the loan or you can pay it in a lump sum up front.  The up front lump sum can be a great option if you are purchasing a home and the seller is covering your closing cost.  If you can put 20% towards down payment, a conventional loan can be one of the most affordable mortgage choices you can make!


Buying your first home?  FHA loans have been helping people become homeowners since 1934.  The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better deal.  With low down payments, low closing costs, and easy credit qualifying, an FHA loan may be right for you.  

Want to lower your mortgage rate?  Your down payment can be as low as 3.5% of the purchase price, and can come from a gift from a family member.  It's even available on 1-4 unit properties.

Want to make your home energy efficient?  FHA's Energy Efficient Mortgage program (EEM) helps home buyers or homeowners save money on utility bills.  It enables them to finance the cost of adding energy efficient features to new or existing housing.

Want to lower your rate?  An FHA loan will let you refinance your FHA loan up to 97.75% of it's appraised value.  Additionally, if you currently have an FHA loan you can refinance that loan with limited documentation and without an appraisal.  It's called an FHA Streamline Mortgage.


VA Loans provide benefits for Veterans and active duty military.  With no down payment required, eligible Veterans, active duty personnel, national guard and surviving spouses can purchase or refinance a home.  I addition, private mortgage insurance is not required.  With a Certificate of Eligibility from the Department of Veterans Affairs you can purchase or refinance a home with limited closing costs and flexible credit criteria.  

You may have options:  Zero down payment.  Interest rate reduction loans for "streamlined" or limited credit qualifying rate reductions.  Cashout refinance up to 100% of the appraised value of the home.  Energy efficient improvement mortgages to finance energy improvement for the refinance or purchase transactions.


Conventional loans are a great option for any borrower with good credit and a small down payment.  Are you ready to own a home but concerned you won't qualify because of the down payment?  Rural Development may be able to help you.  USDA (Rural Development) has partnered with local lenders to help them extend 100% financing opportunities to individuals and families.  

Some USDA Advantage Loan features include:  No down payment required-100% financing available.  Low monthly mortgage insurance, you may qualify for a larger loan.  Flexible credit and qualifying guidelines.  No maximum purchase price limit.  Closing costs can come from any source, including gifts.  Competitive, fixed 30 year rates.


The Home Affordable Refinance Program (HARP) is a government program that was established in 2009 for Fannie Mae and Freddie Mac held mortgages.  HARP provides the opportunity for homeowners to refinance at a lower rate when they have "under-water" mortgages.  A HARP refinance addresses situations where the homeowners' property value has fallen, causing them to no longer to qualify under traditional underwriting criteria.  Homeowners with a loan owned by Freddie Mac or Fannie Mae have the opportunity to refinance without an appraisal.  

Who qualifies for HARP 2.0?  A HARP refinance only applies to Fannie Mae or Freddie Mac mortgages.  You must be able to afford the new lower payment.  Your current mortgage must be up to date with no late payments in the past twelve months.  Your payments on the new loan must be more affordable or more stable than they are on the existing loan.  The maximum loan to value cap has been removed on home owners looking to refinance into a fixed rate mortgage.  However, if you are looking to refinance into an adjustable rate mortgage, the maximum LTV is set at 105%.