I had been in chapter 13 bankruptcy for the past 5 years and I had checked around at other lending companies and I wanted to refinance my house and pull some money out. My bankruptcy ended in October of 2021 so I had contacted Mike at peoples bank a few months prior just to get some information about what I needed to do to accomplish what my goals were. He was very informative and we kept in contact until I received my discharge and off to the races we went. It was a pretty smooth process and we were very impressed with how quick it all went. I’m extremely happy that I chose them for my refinance needs. Five stars. Thanks guys.

Since the beginning of the process Zachery Dowden was very helpful and informative to my wife and I. Zach advised us as to how we should raise our credit score by getting a credit card, he told us how even while I was in Bankruptcy we could still qualify. Every 2-3 months Zach would contact us to see where we were at in our progress. Each time we were closer and closer until finally we were ready. At that time Zach started gathering documents from us, giving us our pre-approval letter. As time went on with our search Zach was always available when we called and answered all of our questions honestly. Even while looking for a home Zach would check on us, he would notify us of any new documents we needed and was patient as we gathered them. Later on in the process we were introduced to Tiffany Russell, Tiffany was also very polite and helpful. Tiffany would answer calls and emails with any questions or concerns. Zach and Tiffany were right there with us until the end and we finally closed. I just want to say it was a great experience working with Zachery and Tiffany, I could write a lot more but just know we will never forget you all. We are so thankful that we were able to reach out to you all I think initially in 2020. I would recommend anyone in or out of bankruptcy to you all. We never knew it was a bank that would help you purchase while in Bankruptcy until we heard of Peoples Bank. In our eyes it is the perfect name because you are a Bank for the people. Thank you all again for all of your help and may God Bless you all. Sincerely, Sean and Tiffany Vinson.

This was the easiest refi I have ever done with my home. The team at Peoples Bank was professional and swift. The loan process was very easy from beginning to end and I was alway being informed about what to expect at each juncture. Danny and Maddison were especially helpful. They were in contact with me very frequently to make sure we stayed on track. I highly recommend this Company and I plan to use them in the future. Who knew a simple internet search would connect me with such a great group of professionals! They made me a lifelong client! Highly recommend!

My overall experience with Peoples Bank Mortgage was Great! Working with Dave Ottiing and Melody White was the best. Both were patient with me thoroughly answered all my questions and kept me informed on what was going on each step of the way. I highly recommend using Peoples Bank Mortgage.

I want to thank Mike and Melody for all their hard work and help. I had been shopping around to refi and pull some money out to build a garage. Prior to dealing with Mike at Peoples Bank, I had spoke to many banks and they promise the world but don't deliver their promises. I spoke to Mike and explained my situation and what I wanted to do. I recently had been discharged from a chapter 13 bankruptcy. Mike was upfront from the first phone call and explained how the process works in detail every step of the way. He was very informative of the process and not pushy at all. He also did not promise anything prior to the steps actually taking place just informed you of the next step and how it will happen. When we had a few small hiccups he had a solution and made it happen quickly. He was in contact almost daily keeping me informed of where things were and the next step which was awesome all the way through closing. I would recommend Peoples bank and Mike Fernando to anybody who is refinancing or purchasing a home. Of all the banks I have ever dealt with this one will be the one I go back to if I need a home loan or refi and Mike in particular. Thanks Mike, and continue the hard work and helping customers as you did myself.

outstanding service

Peoples Bank was a godsend, they were very professional, ethical & attentive to our needs. They helped us with our refinance while in chapter 13. Dara and those who worked with her were very knowledgeable during the entire process. I love the way they explained the process and followed thru; keeping us informed to the end. I would recommend them for all your real-estate needs!