Experience comprehensive mortgage financing services tailored to meet your unique needs with PBT Mortgage. From FHA and VA loans to specialized options like reverse mortgages and investment property financing, our team of trusted loan officers is ready to guide you through every step of your mortgage journey.
Connect with UsEstablished in 1923, 100 Years Strong—Your Trusted Partner in Home Financing
Since 1923, Peoples Bank & Trust Company of Hazard has been a cornerstone of financial stability and personalized service in Perry County and beyond. With roots that run deep in the community, we’ve built a legacy of trust by supporting local families and businesses through generations of change and growth.
PBT Mortgage, a division of Peoples Bank & Trust now PBT Bancorp, continues this tradition by offering tailored mortgage solutions designed to empower your journey toward homeownership and financial success. Whether you're purchasing your first home, refinancing for better terms, or investing in property, our expert mortgage team is here to guide you with clarity and care.
We offer a wide range of loan programs including FHA, VA, and conventional mortgages, as well as specialized products like DSCR loans for investors and government-backed reverse mortgages. Our dedicated loan officers work closely with you to secure competitive rates and financing options that align with your goals.
At Peoples Bank & Trust now PBT Bancorp, we combine nearly a century of heritage with modern lending expertise to be your trusted partner—today and into the future.
A fixed-rate mortgage maintains the same interest rate throughout the life of the loan, while an adjustable-rate mortgage can change based on market conditions, potentially affecting your monthly payments.
Typically, the mortgage approval process can take anywhere from a few days to a few weeks, depending on the thoroughness of your documentation and the lender's workload.
There are several fees, commonly referred to as closing costs, which may include loan origination fees, appraisal fees, and title insurance. Our team will provide a detailed breakdown to keep you informed.
Yes, you can make extra payments towards your principal balance, which may help reduce your overall interest and shorten the life of your loan. Check with us about any prepayment penalties.