COVID-19: The health and safety of our customers and colleagues remains our top priority.

Update: Our South Watertown lobby will be reopening on March 1, 2021 with a new set of hours: 9am-4pm.

Paycheck Protection Program: Key Changes & Updated Applications

US Treasury and IRS begin delivering second round of Economic Impact Payments. Visit Plains Commerce Cares for the latest information.

You’ve heard it before: the best things in life are worth waiting for. Sure, we believe that, but we also believe that having your dream home ranks near the top of your list of “best things.” So we don’t believe you should have to wait indefinitely. Or incessantly.

In fact, we put together a process that ensures you don’t have to: a 21-day(1) new home mortgage(2) loan process. Here are three reasons why now is the perfect time to get started on yours.

The Timeline

When we say 21 days, we mean it. You can partner with our team today and have all the paperwork signed in three weeks. That may seem fast, but only because it is—and not at the expense of work quality. Mortgages are our specialty, and no detail will slip through the cracks. We follow a 7-step process that helps us streamline everything so you don’t have to stress about anything.

“While there is no crystal ball when it comes to the mortgage and housing market, we expect rates to remain low and inventory to increase across our area. We want borrowers to understand that the mortgage process is not complicated and can simply be done in three weeks, or 21 days. With numbers to crunch, papers to sign, and hoops to jump through-we understand it’s a lot. It’s also our specialty. Our expert team of mortgage bankers is here to field your questions and guide you each step of the way.” -Chris Vinson, EVP Mortgage

The Timing

Good news: Interest rates on mortgage loans are currently at record lows. Lower interest rates mean lower monthly payments, which saves you money in the long run. However, getting the best mortgage rate depends on your situation.

Start by finding the right mortgage loan for you. The differences between a fixed-rate and an adjustable-rate mortgage can really stack up when compared based on your personal situation.

What’s best for you depends on a few things—the timing of your mortgage loan and the financial landscape, for example. Our mortgage team is here to help you navigate the whole thing.

The Team

Did we mention we have an expert mortgage banking team? Our friendly home loan specialists are dedicated to giving you the best experience possible. Ask us anything from “How do I get started?” to “How much do I qualify for?” and we’ll figure it out together. We’re here to ensure that your hardest questions get answered and best decisions are made.

You’ve been waiting for the right time to buy your dream home, and we’re excited to help you do just that. Why wait any longer?

Start your new home mortgage loan process today with a consultation or online application. In three weeks, you’ll be glad you did.

(1) Circumstances outside of Plains Commerce Bank’s direct control such as title work, survey, and appraisals will affect closing. Plains Commerce Bank does not guarantee a 21 day close.
(2) All credit and loan products are subject to credit approval. Loan programs subject to qualification.


While we offer this link for your convenience, please note that we are not responsible for the content provided by third-party websites. We encourage you to review the policies of any website prior to sharing personal information to ensure privacy and security. Any products or services accessed through this link are not provided by, endorsed or guaranteed by Plains Commerce Bank.

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