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Peoples Dreams2Keys

The Peoples Bank Dreams2Keys residential home loan program is designed to assist limited income borrowers fulfill the dream of homeownership.1 As your financial partner, Peoples Bank will guide you along the path to homeownership.

  • Low down payment options

  • No private mortgage insurance requirement2

  • No origination fees

  • Flexible financing terms

  • Available escrow for property repairs

  • Acceptance of alternate credit references

  • A fixed rate for up to 30 years3

  • A fixed rate for up to 30 years3

  • Eligibility based on 80% of the county median family income where home is being purchased

  • Eligibility is also based on number of persons in the home.


1. Dreams2Keys income eligibility is based on 80% of the county median family income where the home is being purchased. Eligibility is also based on the number of persons in the home. Borrower must meet specific underwriting criteria. Hazard Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a Special Flood Hazard Area. See tax advisor for deductibility of interest. Interest on loan greater than Fair Market Value is not tax deductible. Escrow for taxes and insurance required, which could increase the payment amount.
2. No Mortgage Insurance required for qualifying borrowers.
3. Maximum LTV of 95% for 20-year term: maximum LTV of 97% for 30-year term.

Get Started Today

Select from the options below to apply for your Home Loan from Peoples Bank.

Call 1-800-374-6123
to speak with a helpful service associate.
Locate an office  near you to meet and discuss in person.

What You'll Need

Opening an auto loan is easy. For an even faster application process, have the following information on hand:

  • Loan amount
  • Information on home you'd like to purchase
  • Photo ID
  • Co-applicant's information ( if needed )

The Peoples Bancorp website links to third-party websites on the Internet. Peoples Bancorp provides links to these web sites only as a convenience. The inclusion of these links are not endorsements by Peoples Bancorp. The linked sites are not under the control of Peoples Bancorp, thus Peoples Bancorp is not responsible for the content of any linked site or any link contained within a linked site. Adobe Acrobat Reader 5.0 or above is required to access all PDF documents. Insured deposit products and services are offered through Peoples Bank,Equal Housing Lender, Member of FDIC.
Peoples Bank (w/ logo)® is a federally registered service mark of Peoples Bank.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal.  Peoples Bancorp and the investment center are not registered broker/dealers and are not affiliated with Raymond James Financial Services.  Investment advisory services offered through Raymond James Financial Services Advisors, Inc.  Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered.  Therefore, a response to a request for information may be delayed.  Please note that not all of the investments and services mentioned are available in every state.  Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.  Contact your local Raymond James office for information and availability.  Links are being provided for information purposes only.  Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors.  Raymond James is not responsible for the content of any website or the collection or use of information regarding an website's users and/or members.  FINRA's BrokerCheck

Insurance and Investment products are: NOT FDIC Insured • NOT GUARANTEED by Peoples Bank • NOT a deposit NOT insured by any federal government agency  Subject to risk and may lose value.

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