
Home Loans
Call us today at 541-494-4363 to be connected with one of our professional mortgage loan officers. We have many types of programs for first-time home buyers, refinances and purchases.
Apply Now to start your application or Contact Us to let us know how we can help you fulfill your homeowner dreams!
Our Home Loans Team would love to hear from you! You can leave us a quick review here. Your feedback means a lot to us!
TODAY'S MORTGAGE RATES |
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30-Year Fixed Rate:
7.625% 7.834% APR*
$2,264.94 Monthly Payment
(Principal & Interest Only)**
Today's Rates include a 1% discount points
Closing Costs (includes the cost for required discount points) $6,391.74.
Rates based on the following assumptions: loan amount $400,000, down payment of 20%
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15-Year Fixed Rate:
6.99% 7.332% APR*
$2,874.46 Monthly Payment
(Principal & Interest Only)**
Today's Rates include a 1.275% discount points
Closing Costs (includes the cost for required discount points) $6,708.23.
Rates based on the following assumptions: loan amount $400,000, down payment of 20%
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VA 30-Year Fixed Rate:
6.990% 7.378% APR*
$2,715.68 Monthly Payment
(Principal & Interest Only)**
Today's Rates include a 0.875% discount points
Closing Costs (includes the cost for required discount points) $15,538.00.
Rates based on the following assumptions: loan amount $400,000, primary use funding fee 2.15% of base loan amount, 100% financing with no down payment
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FHA 30-Year Fixed Rate:
6.750% 7.650% APR*
$2,688.15 Monthly Payment
(Principal, Interest Only & Mortgage Insurance)**
Today's Rates include a 0.875% discount points
Closing Costs (includes the cost for required discount points) $13,530.10.
Rates based on the following assumptions: loan amount $392,755, upfront Mortgage Insurance Premium 1.75% of base loan amount $386,000, 3.5% down payment required
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30 Year Jumbo/Fixed Rate:
8.500% 8.728% APR*
$5,766.85 Monthly Payment
(Principal, Interest Only)**
Today's Rates include a 1.25% discount points
Closing Costs (includes the cost for required discount points) $15,489.25.
Rates based on the following assumptions: loan amount $750,000, 20% down payment required
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Rates Effective: 9/25/2023. Actual rates may vary. Rate, Term & Conditions are subject to change without notice.
*Annual Percentage Rate. Rates based on the following assumptions: single family residence, purchase loan, mortgage rate lock period of 45 days and customer profile with credit score of 780 or better. Subject to credit and property approval. Other restrictions and conditions may apply.
**Payment Calculation Does NOT Include Taxes and Insurance. The actual payment obligation will be greater.
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Our experienced mortgage loan officers are here to help you find the perfect loan to fit your needs and to make your home ownership dream come true.
Contact one of our mortgage loan officers to get more information.
Southern Oregon Mortgage Loan Officers
Willamette Area Mortgage Loan Officers
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Every loan comes with the experience & expertise of our knowledgeable mortgage loan officers!
Meet our Mortgage Division Manager:

Echo Hutto
SVP Mortgage Division Manager
(direct) 541-618-3326
NMLS ID# 325644
People’s Bank is the bank that puts people first. It is my pleasure to manage and lead this team for the Mortgage Division. People’s Bank has been in the Southern Oregon Community for over 20 years and I have watched them grow and develop into one of the best banks in our valley. Having moved to this valley in 1991, I have experienced many banks changing hands over the years. I love that People’s Bank is still a community bank. I joined People’s Bank of Commerce in August of 2018 as the Mortgage Division Manager. Overseeing the mortgage process with 28 years of experience as an originator and manager, allows me to support the team in delivering the best mortgage experience for the customer. I am dedicated to leading this team into the future and always putting the people, our customer, first in the process. No matter what team member helps with the mortgage transaction, I will be here to assist and support the process from application to closing. With our personal process of local processing and closing, your mortgage will always be in the best hands.
People's Bank is Southern Oregon's only locally owned commercial community bank where every employee puts people first!
We'd love to hear your feedback! You can leave our Home Loans Team a quick review here.
Phone: 541-494-4363
Website: www.peoplesmortgagelink.com
1311 E. Barnett Road
Medford, Oregon 97504