With as low as 5% down, members get the benefits of our discounted PMI, competitive rates, low APR, and reduced closing costs.

• Suitable for existing homes, one to four-unit homes, and second homes
  Competitive rates and low fees
• Our expert team handles your loan underwriting and approval
• Subordinate financing may be permitted

Looking to build your dream home? Talk to one of our specialists to get a personalized loan fit for your schedule and budget.

• Competitive rates and low fees
• Funds will be distributed for the project’s needs
• Enjoy flexible draw schedules
• Combine your construction loan and mortgage into one loan
• Use your land equity for a down payment
• Our expert team handles your loan underwriting and approval

A mobile home can be a lower-cost solution for homeownership and you can often get more space and options for your money. Our Mobile Home Loans are designed to help you get where you want to be.

• Loans for existing and new mobile homes on owner land
• No surprises for you with a 15-year fixed-rate loan

Ready to buy a gorgeous piece of land in Maine for a future home, vacation spot, or business? Discover flexible loan options with People’sChoice.

• Loans to buy property

Enjoy more flexibility when you refinance with People’sChoice. We tailor your loan to your specific needs and budget, cut costly fees, and offer a quick and easy process.

• Purchase or refinance primary residences, second homes and investment properties
• Purchase a primary residence with as little as 3% down
• Down payment may be a gift
• Discounted private mortgage insurance rates for credit union members
• Renovation loan options
• Manufactured (Mobile) home financing

A great option for first-time homebuyers with a lower credit score or those looking for a smaller down payment.

• Purchase or refinance a primary residence with 3.5% down payment
• Down payment can be a gift
• Non-occupying co-borrowers allowed
• Credit scores down to 600 may be eligible
• Borrowers can regain financing eligibility 2 years from bankruptcy and 3 years from foreclosure
• Renovation loan options
• Manufactured home financing

Veterans, talk to one of our mortgage specialists to learn more about VA loan benefits, including no down payment or MIP.

• Loans available to eligible veterans and their spouses
• No down payment required
• No monthly mortgage insurance premiums
• Credit scores down to 600 may be eligible; financing options may be available to 550
• Borrowers can regain financing eligibility 2 years from bankruptcy and 3 years from foreclosure
• Manufactured home financing

Looking at a home outside the city? A rural property may be eligible for a USDA loan, with low-interest rates and requiring no down payment.

• Financing for single-family, primary residences
• Members may borrow up to 100% of the appraised value. Borrowers may finance closing costs and escrows up to 100% of the appraised value.
• Credit scores down to 640 may be eligible
• Eligibility subject to household income limits.
• Property must be in designated areas as defined by USDA

Discuss your needs with one of our loan specialists, and we’ll help you secure the financing for your next property.

• Financing for primary residences, second homes and investment properties requiring loan amounts greater than current conforming loan limits.
• No private mortgage insurance required

Discover the right commercial loan for your business plans and keep your money local.

• Offering financing for 5+ unit properties and other commercial real estate
• All loans are processed and underwritten in-house

A PCU Home Equity Line of Credit is a flexible financing option that allows members to utilize equity in their existing home to access funds based on the value of their property.