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Peoples Bank of the South specializes in Conventional Loans and Construction Loans.

Mortgage Loans
A major commitment. Peoples Bank of the South wants to make it a pleasant event.

Secondary Market
Protection from rising interest rates.

  • 100% financing available for primary residences.
  • 95% financing available for secondary residences.
  • 90% financing available for cash-out refinancing.
  • 85% financing available for investment properties.
  • Estimated closing time is 4 weeks.


  • Fixed rate financing.
  • Can be paid automatically from your Peoples Bank of the South deposit account.
  • Estimated closing time is 2 weeks.
  • Closing costs are significantly lower for the in-house loans. Let us run the numbers for you.

Home Equity Line of Credit (HELOC)

  • Revolving line of credit.
  • Borrow up from $5,000 to $100,000.
  • As loan is paid down, those funds are once again available to borrow again for various reasons.
  • Qualified customers may borrow up to 85% of the equity in their home.
  • No closing costs for amounts over $19,999.99.
  • If made at first mortgage loan closing, there are never any closing costs.


  • Financing can be used for primary residences, secondary residences investment properties or spec homes.
  • An optional one time closing loan available to combine both construction and permanent financing.
  • We do finance loans for non-licensed builders.

Cash-out Refinancing

  • Get a lower rate and consolidate debts at one low rate.
  • Closing costs may be included in the new loan.

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Mortgage FAQs

Looking for a Quote?

Information Needed for "Refinance" Quote

  • Current Mortgage Balance.
  • Annual Insurance Premium.
  • Annual Property tax.
  • Current Rate on Your Mortgage Loan.
  • Current Payment Amount.
  • Remaining Years on Current Mortgage.

Information Needed for "Purchase" Quote

  • Sales Price.
  • Amount of Down Payment.
  • Number of Years for Mortgage.


Please contact Logan Hickman for more information:
In Campbell, phone (423) 562-4921 - From Knoxville, call 457-8333.
Fax: (865) 429-7550

In Anderson County, call our Norris-Clinton office at (423) 457-3500.
In Scott County, call our Oneida office at (423) 569-2887.

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