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Copyright © 2015 Peoples Bank, NMLS ID# 690890. Peoples Bank refers to Peoples Bank, Lawrence, Kansas with its official headquarters at 4831 W. 6th St, Lawrence, Kansas 66044 and is not to be confused with any other bank or mortgage company. Peoples Bank is a Member FDIC, Equal Housing Lender, and has been doing business since 1871. | The 4.00% fixed rate/4.00% APR is valid as of 7/16/15 for a 30 year fixed non-conforming loan. 15 year loans and variable rate options are also available with different rates and terms; details are available from peoples Bank without obligation. Example for 30 year loan: loan amount $600,000, interest rate 4.00%, annual percentage rate 4.00%, payment is $2,864 principal & interest. Payments will be higher for shorter term loans. Payments shown above do not include additional costs of any property taxes or homeowners insurance premiums. Interest rate, program terms and conditions are subject to change, and depend on applicant qualification and market conditions. Certain restrictions and conditions may apply. All applicants may not be approved.