Mortgages in RI, MA, & CT

There has never been a better time to buy a home.

  • Fixed-rate mortgages from 15 to 30 years.
  • Adjustable-rate mortgages with initial rates fixed for 5 to 10 years.
  • Special programs to help get you started.
  • Mortgage Advisors to help you find the right product.
  • Local decision making from a Credit Union that cares about its members and community.

Mortgage Options

Fixed Rate

If you are looking to lock in the rate for the term of your mortgage, this product is right for you. Terms available are:

Adjustable Rate

If you are looking for a lower initial payment and are less concerned about your payment increasing in future years, take a look at our adjustable rate options. Available options are

Special Programs

We have a number of special programs to help you get into your dream home sooner and with a lower down payment.

Meet our Mortgage Team

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

Portrait of Diane Crosby, Mortgage Loan Officer

Diane Crosby

Mortgage Advisor
Phone: 401.619.1764
[email protected]
NMLS ID#1247496

Portrait of Kari Reardon, Mortgage Loan Officer

Kari Reardon

Mortgage Advisor
Phone: 401.619.1762
[email protected]
NMLS ID#715427

Portrait of Donald Nessing, Mortgage Loan Officer

Donald Nessing

Mortgage Advisor
Phone: 401.619.1763
[email protected]
NMLS ID#18358


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.

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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.

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.

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.

You do not have to open an account before applying for any loan. However, you must become a member of the credit union before your loan closes. Becoming a member is easy. Simply open any type of deposit account that you wish. Each person on the loan must be named on at least one account.


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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.