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Purchasing a Home

Owning the home of your dreams can be a reality with a home loan from PCB.  At PCB we realize that buying a home is one of the most important decisions your family will make, and we welcome the opportunity to help you.  Our knowledgeable and experienced mortgage loan specialists take pride in simplifying the home buying process.  PCB will be your partner, making sure your questions are answered and your home buying experience is superb.

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Adjustable Rate Mortgage

Our adjustable rate mortgages offer flexible terms, low closing costs and quick closings. Whether you are a first time home buyer, upgrading to a new home or investing in rental property, PCB can design a loan to meet your needs.

 

Fixed Rate Home Loans

Ease your concerns about a constantly changing market. With a fixed rate loan, your principal and interest payment will remain the same for the life of the loan.

FHA Home Loan

With no income restrictions, this loan is ideal for any family looking for a home loan with little money down and is often the perfect loan for first time home buyers.

Rural Development Home Loan

No down payment; no worries. A Rural Development loan is specially designed for low to moderate income families. This type of loan does not require a down payment and is guaranteed by the USDA.

  • No down payment
  • Affordable closing costs
  • Monthly and annual USDA fees apply
  • Income restrictions apply 
  • May finance closing costs and pre-paid expenses, if appraised value allows
  • Closing costs and pre-paid expenses may be paid by the seller
  • Fixed rate terms available
  • Apply online or contact us for an application
  • Learn more on the USDA website

VA Home Loan

VA loans allow most qualified active duty and veterans of the U.S. Military or National Guard to purchase a home without a down payment and minimal closing costs.

  • No down payment
  • No private mortgage insurance
  • Affordable closing costs
  • VA funding fee can be rolled into the loan 
  • VA funding fee may be waived for qualified disabled veterans
  • Closing costs and pre-paid expenses can be paid by seller or gift funds 
  • Fixed rate terms available
  • Apply online or contact us for an application
  • Learn more in our Resource Center