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BUYERS GLOSSARY

HOME LOAN CHECKLIST

HOME LOANS | PERSONAL LOANS | COMMERCIAL LOANS

Whether you're buying a home for the first time or buying a new home, choosing the right loan is one of the most important decisions you'll ever make.

That's why we offer such a wide variety of home loans. We have the expertise and experience as a lender to make sure you understand your options and get the loan that's right for your situation.

HOME OWNERSHIP HAS MANY ADVANTAGES

You can enjoy being part of a community
As your home appreciates in value, so does your equity. This equity can work for you, should you sometime need a home equity loan
You will diversify your financial portfolio. Owning a home is the single most important source of financial security and independence.
Interest paid on your home mortgage may be tax deductible, so consult your tax professional.

FIXED RATE MORTGAGE	TYPE OF BUYER	SPECIAL FEATURES
Fixed Rate Mortgage	Ideal for buyers who wish to lock in one of today's low interest rates, knowing that the monthly payments will never change. Also ideal for those with fixed income who expect to remain in the home 10 years or more.	You choose the term that's right for you. Rate lock 30 days in advance of closing, Private Mortgage Insurance required on loans greater than 80% loan to value, certified appraisal required
Adjustable Rate Mortgage (ARM)	Ideal for buyers looking for lower, more affordable initial monthly payments, who expect interest rates to remain stable or decline during the time you are in the home, those with flexible income and do not expect to remain in the home more than 10 years.	Loans not sold - extensions and rewrites at bank's discretion, Timing of payments set at customer's discretion, Biweekly or partial payments made at customer's discretion, lower rate in first term of loan, in house appraisal (depending on transaction), Private Mortgage Insurance (PMI) required when the loan to value is greater than 85%.
First Time Home Buyers		All available programs will be explored (rural housing, PMI in lieu of down payment, etc) to match needs of new buyers to the best options in the market.

HOME EQUITY LOAN

Our home equity loans let you take advantage of the equity you've built up in your home. Whether you want to finance home improvements, plan for a college education or other major purchases a home equity loan can help you achieve your objective. The interest on the loan may be tax deductible (consult your tax professional).

DOWNLOAD HOME LOAN APPLICATION (pdf)

HOME LOANS | PERSONAL LOANS | COMMERCIAL LOANS

At The Peoples State Bank, we have a tradition of helping our customer realize their dreams. We can help you improve the quality of your home and the quality of your life. We can help you build that deck you've wanted, add a room to your home, purchase new carpet, and take that much deserved vacation. You decide on the improvement, and we'll help you achieve it with a personal or home improvement loan. We will arrange the payments to fit your budget. Stop in and see our friendly loan experts today.

PRINT CONSUMER LOAN APPLICATION CHECKLIST

DOWNLOAD CONSUMER LOAN APPLICATION (.pdf)

CREDIT CARDS
If you're in the market for a credit card, ignore the junk mail and apply for a Peoples State Bank Visa® or MasterCard®

Safe, Convenient, accepted worldwide
Online access to your statement
Payments accepted at the main bank
Online bill payment

DOWNLOADABLE CREDIT CARD APPLICATION - (coming Soon)

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HOME LOANS | PERSONAL LOANS | COMMERCIAL LOANS

Providing commercial loans to our community is one of our main objectives as a community bank. We offer a wide range of business loans whether you're a small, family-owned business or a large corporate entity.

DOWNLOADABLE COMMERCIAL LOAN APPLICATION - (coming soon)