Apply for a Mortgage Loan

Choosing a mortgage lender can be challenging, even intimidating, but Peoples Bank of Alabama is passionate about helping you achieve your dreams.  We care about you – which is why we are committed to quick turnaround times and fast decisions. Whether you are a first time home buyer, armed services veteran or home buying pro, we have the right mortgage loan with competitive rates and terms that fit your budget.

We have local Mortgage Specialists who can give you quick decisions and personal service from application all the way through to the closing. We also provide a 24/7 loan center with the following mortgage services:

  • Apply anytime, from anywhere with a streamlined application process
  • Get quick online approvals and detailed cost information
  • Complete your application for purchases or refinances on your schedule
  • Use our glossary to take mystery out of mortgage terminology
  • Experiment with our calculators to better understand 
  • Use Rate Watch to get customized rate quotes emailed or find out when your desired rate is available
  • Check rates to get a personalized quote

Want to deal directly with a local mortgage specialist?

Find a Specialist

Which Mortgage Is Right for You?

At Peoples Bank of Alabama, we like to focus on turning your hopes of a home into your reality. And we make it easy—apply anywhere, anytime, and continue on with your day. If you are interested in buying, building, or refinancing, we have a variety of home loan options to offer you. We offer the following types of programs: 

Down Payment Assistance | FHA Loans
Veteran Affairs | USDA Loans
Conventional Loans | Jumbo Loans
Construction/Permanent Loans | Long Term Rate Locks

We also offer in-house Portfolio Loans that are serviced by Peoples Bank for the life of the loan. Regardless of your situation, we may have a mortgage option to help make your home ownership dreams come true. 

Looking for a way to calculate your payments based on the size of the mortgage? Use our mortgage calculator by plugging in your information to see what your payments might look like. We also help you watch the rates and provide a personalized quote based on your information. It’s never been easier to get started. 

Apply Now     Speak with Advisor     Mortgage Calculator

Next Steps

Have questions you would like answered personally? We have your back. If you need help with your online application and personal resources, help is available. The most frequently asked questions can be accessed at any time during the application, or you can use the contact form below to reach our Mortgage Team.

Finally, low rates with great service…together at last! It's just another way we at Peoples Bank of Alabama exceeds expectations everyday.

Please do not enter your account number, social security number, or any other confidential information in this area.

"Kent Howze and the Peoples Bank mortgage team do their job efficiently and with care. You feel that ʻsmall town bank’ family environment that is often lost in today’s world. You’ll feel like they actually care about you." 

- Keith Lollar
“Jayme Bailey was very courteous and was prompt to return all phone calls. He was a man of his word and did what he said he would do! We would definitely do business with Peoples Bank again!” 

- Jason & Danielle Farris
"Heath Kirby was a pleasure and joy to work with. He made the process, which is naturally anxiety provoking, a very calm experience. We would absolutely recommend him and the Peoples Bank Mortgage team."

- The Reynolds