Ready to Refinance Your Loan?
Apply online with Express Mortgage or work with a local lender.
Refinance with Express Mortgage
Fast, powerful, and completely online. Apply 24/7 from the comfort of your home or when it is most convenient for you. This easy and streamlined application process includes online support from our local home loan specialists. Get started now with Express Mortgage powered by Peoples Bank.
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Work with a Home Loan Specialist
Our local home loan specialists are ready to help you every step of the way. Schedule a face-to-face appointment near you with the lender of your choice. Low rates, expert loan professionals, and local loan decisions make a Peoples Bank refinance easy. Contact our team today.
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Mortgage Refinance Rates
| Type |
Rate |
Points1 |
APR2 |
Payment |
| 15 Year Fixed Rate |
7.000% |
1.000% |
7.276% |
$3,595.00 |
| 30 Year Fixed Rate |
7.375% |
1.000% |
7.551% |
$2,763.00 |
Effective date: 9/29/2023
1Discount points are additional funds paid at closing to reduce your interest rate.
2The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate.
Rates and points are subject to change without prior notice. Pricing adjustors related to property type, occupancy and other underwriting criteria may impact the APR. Monthly sample payments are based on a loan amount of $400,000, 780 or higher credit score, and a 45-day lock term. Actual payment obligation may be higher, since sample payment amount does not include property taxes, hazard insurance, or monthly mortgage insurance (if required). Stated APR assumes posted points. Subject to credit approval. Available on owner-occupied, one-to-four family residences. Hazard insurance on subject property is required. If the property is located in a Special Flood Hazard Area, the bank will require you to obtain flood insurance.
30 Year Fixed Rate
A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. By choosing a 30 year fixed rate loan, you will have the lowest monthly payment of all the fixed loans we offer.
15 Year Fixed Rate
Choose a 15 year fixed rate loan if you're comfortable with a higher payment and you will have the benefit of substantial interest savings.
The Peoples Bank Difference
When you’re in the market to refinance your home, our goal is simple – let’s make it work.
Why choose Peoples Bank for your next refinance? Whether you're looking for a way to lower your monthly mortgage or get your home loan paid off quicker, our home loan specialists can help. There are countless reasons to choose Peoples Bank for your next refinance – from local loan decisions and on-time closings to great rates and fair terms, but we think the best reasons are our People. Let's explore your options together.