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Types of Loans

Fixed Rate Mortgage
Advantages include predictable monthly payments and the ability to spread payments out over a long period of time. The ultimate option for payment security!

Adjustable Rate Mortgage
You can get the lowest mortgage rate we offer by selecting an ARM! A top choice of the financially savvy.

FHA Loan
FHA loans are an attractive option, especially if you are a first-time homeowners. FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development.

FHA Streamline
In an FHA loan now? Get the easiest possible refinance with FHA Streamline. You may not even need an appraisal!

Conventional Loans
The conventional loan is a fixed-rate mortgage for a specific number of years, there are several options available to suit your needs. Conventional loan lenders follow the underwriting guidelines of Fannie Mae and Freddie Mac and, as such, typically require good-to-excellent credit, sufficient income, reliable employment and a down payment of at least 10 percent. Note that the general down payment requirement is about 20 percent, and paying more upfront can significantly help when negotiating loan terms and interest rates. Furthermore, a larger down payment will help build equity faster.

VA Loans
Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

Home Equity Line of Credit (HELOC)
When you open a Peoples Home Equity Line of Credit account, you open a world of flexible access to your home's equity. We give you control over one of your most important assets and can help you improve your financial future.

Jumbo Loans
With a jumbo mortgage, you’ll get low rates for your big loan. Offering a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.

 

Apply with Bruce & Cindy
Contact Information

Bruce Vaughan

     Direct Line: (970) 405-2183 

     Fax: (303) 772-0306

Cindy Vaughn

     Direct Line: (970) 405-2185

     Fax: (303) 772-0306

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Bruce Vaughan, Jr. Mortgage Banker, NMLS 1486151 & Cindy Vaughan, Sr. Mortgage Banker, NMLS 777175
825 Delaware Ave., Ste. 100, Longmont, CO  80501
Direct:  (970) 405-2183
Fax:  (303) 772-0306
bvaughan@epeoples.com; cvaughan@epeoples.com
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