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Financing a home is one of the most important decisions you will ever make. Whether you are just starting out, a growing family, looking to refinance an existing mortgage, or build a dream home, our local loan officers will help make the mortgage process smooth and simple for you – no matter where you are in life or what your home buying or refinancing needs may be. We currently lend in both Pennsylvania and Maryland. View Our Lending Area for the complete list of counties.
If you are getting a mortgage loan, you are essentially getting a type of financing to purchase residential property. The loan uses your purchased home as collateral. This means that if you default on the financing the lender can foreclose on the home and sell it to recoup their money.
To keep your credit in good standing and to avoid foreclosure, you need to make mortgage payments in full and on time. Home mortgages come with terms and paperwork, and it’s important to understand the terms before you sign.
One thing you will notice is you are paying not just the amount borrowed (principal) but also interest, taxes and insurance. Sometimes, these parts of your monthly payment are referred to as PITI. At first, much of your monthly cost will go towards interest. Later in your loan, more of your monthly payment will go towards the principal. You can ask your lender for a table of how much you’ll pay through PITI. This table is sometimes known as an amortization schedule.
Fill Out An Online Pre-Qualification Form Today
Choosing the right home mortgage loan plays an important role in ensuring you can meet your financial obligations. At PeoplesBank, we offer a range of personal mortgages to our clients:
Explore the benefits and costs of buying and owning a home through the interactive playlists available in our Financial Learning Center.
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