Mortgage and Home Equity Loans

Explore your loan options to find the right match.

Here to Help

Not sure which loan is right for you? Get started here. 

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Question #1

Do you plan to buy a home with the funds from this loan?

Purchase a Home

Our Mortgage Loan Officers are available to assist you in finding the program that’s right for you.

Schedule a Free Consultation

Question #2

Have you considered combining your first and second mortgage?

Refinance Your Mortgage & Home Equity

  • Combine both for one convenient monthly payment
  • Ability to get cash from the available equity in your home
Apply Now

Question #3

Do you need the money all at once?

Fixed Home Equity Loan

The perfect loan for members who are looking for a fixed rate and payment.

  • Funds are available after a three day rescission period
  • Variable terms up to 20 years
Apply Now

Home Equity Line of Credit

The perfect line of credit for members who are looking to complete many projects over an extended period of time.

  • Long term borrowing availability
  • Convenient ways to access and transfer funds
  • During the draw period only have to pay interest on what you borrowed
  • Free Home Equity Line of Credit checks after a three day rescission period
Apply Now

Loan Options

Mortgage

A mortgage is a big step. No matter what step you are on, we have answers.

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • First Time Home Buyers
  • Construction Loans
  • FHA/VA Loans

Home Equity

With no application fees and fast approvals, we have a variety of home equity loan options to fit your needs.

  • Fixed-rate Home Equity Loans 
  • Variable-rate Home Equity Lines of Credit

Refinance

We have refinancing options that may save you some money. Our experienced team can help you make the process of refinancing simple and easy.

  • Lower Your Monthly Payment
  • Take Cash Out from Equity in Your Home
  • Consolidate Debt

Meet our Mortgage Team

Still have questions? Schedule a free consultation with one of our Mortgage Loan Officers.

Whether you are buying or refinancing, our Mortgage Loan Officers are available to assist you in finding the program that’s right for you. Check the background of your professional Mortgage Loan Officer by visiting NMLS® Consumer Access.

Portrait of Diane Crosby, Mortgage Loan Officer

Diane Crosby

Mortgage Loan Officer
Phone: 401.846.8930 ext. 1311
[email protected]
NMLS ID#1247496

Portrait of Kari Reardon, Mortgage Loan Officer

Kari Reardon

Mortgage Loan Officer
Phone: 401.846.8930 ext. 1326
[email protected]
NMLS ID#715427

Portrait of Donald Nessing, Mortgage Loan Officer

Donald Nessing

Mortgage Loan Officer
Phone: 401.846.8930 ext. 1296
[email protected]
NMLS ID#18358

Still Undecided? Start Here.

0% Complete

Question #1

Do you plan to buy a home with the funds from this loan?

Purchase a Home

Our Mortgage Loan Officers are available to assist you in finding the program that’s right for you.

Schedule a Free Consultation

Question #2

Have you considered combining your first and second mortgage?

Refinance Your Mortgage & Home Equity

  • Combine both for one convenient monthly payment
  • Ability to get cash from the available equity in your home
Apply Now

Question #3

Do you need the money all at once?

Fixed Home Equity Loan

The perfect loan for members who are looking for a fixed rate and payment.

  • Funds are available after a three day rescission period
  • Variable terms up to 20 years
Apply Now

Home Equity Line of Credit

The perfect line of credit for members who are looking to complete many projects over an extended period of time.

  • Long term borrowing availability
  • Convenient ways to access and transfer funds
  • During the draw period only have to pay interest on what you borrowed
  • Free Home Equity Line of Credit checks after a three day rescission period
Apply Now

Question #1

Do you plan to buy a home with the funds from this loan?

Purchase a Home

Our Mortgage Loan Officers are available to assist you in finding the program that’s right for you.

Schedule a Free Consultation

Question #2

Have you considered combining your first and second mortgage?

Refinance Your Mortgage & Home Equity

  • Combine both for one convenient monthly payment
  • Ability to get cash from the available equity in your home
Apply Now

Question #3

Do you need the money all at once?

Fixed Home Equity Loan

The perfect loan for members who are looking for a fixed rate and payment.

  • Funds are available after a three day rescission period
  • Variable terms up to 20 years
Apply Now

Home Equity Line of Credit

The perfect line of credit for members who are looking to complete many projects over an extended period of time.

  • Long term borrowing availability
  • Convenient ways to access and transfer funds
  • During the draw period only have to pay interest on what you borrowed
  • Free Home Equity Line of Credit checks after a three day rescission period
Apply Now

Enjoy the open road for less.

Auto Loan Refinancing as low as 2.49% APR for 36 months.

Frequently Asked Questions

What can we help you with today? 

Typically, the Mortgage process takes from 45 to 60 days for purchase and refinance loans.  The closing date on a purchase transaction is dictated by the purchase and sale agreement. 

First and foremost People’s does not collect any fees for you to apply.   Closing costs vary depending on the type of mortgage and the amount of the mortgage you apply for, and will vary based on your situation.   Fees are broken down into categories. For example, fees may be charged by outside venders for the Credit Report, Appraisal, Attorney Fee, Tax Service, or a Flood Certificate. There are also fees collected by the town such as recording fees and taxes.  The only fees collected by People’s Credit Union are for underwriting the loan.

Based on your particular loan you may be able to pay your own taxes if you wish to do so.

We do sell and underwrite to secondary market (Fannie Mae) guidelines. However, we will service your loans, so you will always pay your mortgage directly to us.

When you apply for a mortgage we must verify every statement made on the application relative to your income, debts, bank accounts, properties owned.  We have a team of knowledgeable mortgage professionals that will help you every step of the way.

Testimonials

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Laura Klaus

Helpful Resources

At People’s Credit Union, we are passionate about providing resources, information, and solutions to help you get ahead.

Financial
Calculators

Our convenient financial calculators can help you make more informed decisions. 

How much mortgage might I qualify for?

This calculator will help answer how much mortgage you might qualify for based on your total monthly gross income and expenses.

Should I refinance?

This calculator will tell you if the amount you save in interest will exceed these refinancing costs.

How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest) for a fixed rate loan.

How much home can I afford?

This calculator computes the most expensive house you can buy based on the highest payment you can afford, but does not indicate whether you would qualify for the loan.

Which mortgage is better for me?

This calculator will help you compare the total cost of any two or three mortgages.

How much will I save by increasing my mortgage payment?

Find out how much interest you can save by paying an additional amount with your mortgage payment.