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Flexible And Affordable Home Lending Options.

Whether you are buying a New Home, Investment Property, or a Second Home, let us help you meet your financing needs. We offer Adjustable and Fixed Rate Mortgages with various terms, read below for more information.

Fixed Rate Mortgages

  • This loan has fixed payments for the entire term of the loan.

  • You can choose up to a 30 year term.

  • Fixed Rate Loans typically have a higher inter rate than Adjustable Rate Mortgages, but Fixed Rate Loans protect you against interest rate increases.

3 Year Adjustable Rate Mortgage

  • This loans has fixed payments for 3 years, and adjusts every year thereafter based on a published index.

  • You can choose a term between 10 - 30 years.

5 Year Adjustable Rate Mortgage

  • This loans has fixed payments for 5 years, and adjusts every year thereafter based on a published index.

  • You can choose a term between 10 - 30 years.

Need more details? Contact us!

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Frequently asked questions

I need a mortgage loan, who do I talk to?

If you need to talk to someone about a loan then you can always talk to our Loan Officers and their assistants. They would be glad to awnser any questions you have or even start a loan application.



Where are your loan officers located?

We have loan officers located at our Iaeger Branch, Sophia Branch, and Welch Branch. You can find the phone numbers to our branches and their respected loan officers below. Beckley Branch Jason Shuff, Market Leader 304-254-8680 Iaeger Branch Lisa Mullins, Loan Officer Vickie Addair, Relationship Banker 304-938-5322 Sophia Branch Ken Lilly, AVP / Commercial Lender Trish Thompson, Loan Officer 304-683-9538 Welch Branch Tameka Baker, Loan Officer Teresa Colombo, Loan Officer 304-436-2171



What do I need to bring to a mortgage loan application?

Here are the most common items you need to bring to a Mortgage Loan Application.*

  1. Sales/Purchase Contract
  2. Copy of Listing if a Realtor is involved
  3. Proof of Income, including most recent paystubs, two years of W-2s, or Tax Returns
  4. Names, addresses, and phone numbers of all employers in the past two consecutive years
  5. Physical address of current and previous residence for the past two consecutive years
  6. Last two months Bank Account Statements
  7. SSN
  8. Photo Identification (Driver's License)
  9. Copy of Deed
*This list should be used as a guide for what you may need to bring to a mortgage loan application. Depending on your lending needs and situation you may need additional items.



Do you offer Secondary Market Mortgages?

Yes, we offer Secondary Market Mortgages such as FDA, VA, and Freddie Mac.



What type of loans does PCB Offer?

PCB offers both commercial and consumer loans. From personal loans, to autos, real estate, and many others. Contact a loan officer for more details.



Do you require a down payment?

We require a down payment on most loans. Contact a Loan Officer for details.



Is an appointment necessary to start a loan application?

An appointment is not necessary, however we recommend that you call and schedule an appointment with a loan officer so that they can dedicate time to taking care of you and your loan application.