Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Peoples Bank of the South


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.
  • 90% financing available for secondary residences.
  • 80% 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 3 to 4 weeks.
  • Closing costs are significantly lower for the in-house loans. Let us run the numbers for you.


  • Financing can be used for primary residences, secondary residences, investment properties, or spec homes.
  • 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.

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 David 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.