Home Mortgage Loans

Home Mortgage Loans

Settle into your perfect home without settling on financing. At PSB, we offer competitively low rates and flexible terms to make the dream of owning a home a reality.

Whether you're a first-time homebuyer, buying a vacation home, or refinancing, we offer a range of financing options to accommodate your unique situation. And everything is handled locally, by in-house professionals with experience in the local real estate market — keeping the streamlined solution to your needs a stone's throw away.


Summary
  • Competitive rates for purchase or refinancing
  • Flexible terms, customized to your unique situation
  • A wide range of financing options available
  • Lenders with experience in the local real estate market
  • Attentive service throughout the entire process
  • Local decision-making and processing


Financing Options

We want our customers to have more options in order to make their dream of homeownership come true. Discover the different home buying programs available and the criteria that applies to each.


USDA Rural Housing

  • Income limits apply
  • Ideal for first-time homebuyers
  • Low to no down payment

FHLMC (Freddie Mac)

  • Long term fixed interest rate
  • Purchases and refinances
  • PSB retains servicing of loans

ARM (Adjustable Rate Mortgage)

  • Customized adjustment periods
  • Long term amortization

Home Equity Line of Credit

  • Utilize the existing equity in your home as collateral
  • Competitive rates for a wide range of seasonal needs
  • The interest paid might be tax deductible.*
  • Funds may be reused without reapplying

Residential (Second Mortgage)

  • Utilize the existing equity in your home as collateral
  • Competitive rates for a wide range of personal needs
  • The interest paid might be tax deductible.*

Residential Fixed Rate

  • More information available upon request

Residential Construction

  • More information available upon request

*Consult a tax advisor.

Construction Loans

Whether you're purchasing a pre-existing home or building from the ground up, we're always here to meet your real estate needs. We'll even transition you from the construction phase on over to permanent financing.

  • Competitively low rates for construction of new home
  • Flexible terms, customized to your unique situation
  • A wide range of financing options available
  • Can be transitioned into permanent financing upon completion of construction
  • Lenders with experience in the local real estate market
  • Attentive service throughout the entire process
  • Local decision-making and processing

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