Effective Tuesday, January 18, 2022, our branches will temporarily operate with Drive-Thru service, and our Lobby service will be by appointment only. With the record surge of Covid-19 cases and the expectation of a continued sharp rise before peaking in our area, we are taking proactive measures to help curtail any possible interruptions to our customer service during these difficult times. Our goal with this action is to help protect the health of our customers and our employees while continuing to serve our customer needs. Learn More

Online Banking


Mortgage Loans

At New Peoples Bank, we aim to make buying or refinancing your home as easy, simple, and secure as possible.


Our Mortgage Team

Deborah Sargent

Deborah Sargent
NMLS# 415637
(276) 988-3784
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Melissa Potter

Melissa C. Potter
NMLS# 110516
(828) 964-5544
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Sandra Cook

Sandra Cook
NMLS# 1079179
(423) 579-1005
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Buying or refinancing your home is exciting, but can be a challenging experience if you don't understand the process. Our mortgage team can help and we are waiting to work with prospective buyers and current homeowners. At New Peoples Bank, we aim to make the experience as easy, simple, and secure as possible. With our variety of real estate loan options, we're sure you'll find one that's right for you.

You may apply online, check rates, or utilize other mortgage resources by clicking here. Or if you prefer, contact us at 276-873-7000, and a loan officer will be happy to walk you through the process.

You may find it easier to begin the process at home by printing and filling out some documents and bringing them with you. If so, please print and provide a completed Real Estate Loan Application. Find PDF downloads and additional resources below.

Information Checklist

Contact us today for a free, personalized consultation. With interest rates at record lows don't miss your opportunity to seize the moment, call today and you will find the skill, professionalism, and consideration we give to each of our clients which make getting your loan a successful endeavor. Why wait? Let us get to work for you. Call today to analyze your financial needs!

  • 30 Days most recent paystubs for each borrower
  • Last 2 years of Federal Tax Returns - All pages
  • Last 2 years of W2's (1099 if not a W2 employee)
  • Additional returns may be requested
  • 2 most recent months Bank Statements - All pages for checking, savings, retirement, stocks, etc.
  • Copy of Driver's License, US Residency Card or Gov't Issued ID
  • Ratified Contract

For a refinance (in addition to the above items)

  • Copy of the Deed to the property
  • Current Mortgage Statement
  • Copy of Homeowners Insurance Policy

The DO's and DONT's of your Loan Process

While your loan is being processed there are certain "DO's and DON'Ts" which can have an effect on the outcome of your loan request. The following list of items will remain in effect not only until your loan has been approved, but until the loan is actually funded and recorded. In many instances, your credit, income and assets must be re-verified after you have signed your final loan documents.

We strongly suggest that you comply with the following lists:


  • Keep all existing accounts current, such as mortgages, car payments and credit cards.
  • Make payments on all accounts on or before the due date, even if the account is being paid off with the new loan. If you have any problems make these payments, please contact your loan officer immediately.
  • Keep copies of all paycheck stubs, bank account or asset statements, along with any statements for bill being paid off through this loan.


  • Quit your job or get another job unless it is in the same line of work and for equal pay or more money. Please call your loan officer if this should occur.
  • Allow anyone to make an inquiry on your credit report.
  • Purchase an automobile.
  • Purchase any other real estate.
  • Co-Sign for anyone else on any type of loan.
  • Apply for credit, take on additional debt or complete any other credit application.
  • Charge additional debt on any existing credit account that you have.
  • Start any home improvements that are not a condition of this loan.

We offer a variety of affordable loan options, competitive interest rates and we're by your side every step of the way.

PDF Downloads

Real Estate Loan Application

Information Checklist

DO's & DONT's

Branch Location

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