PeoplesChoice Mortgages

Whether you are looking to purchase, refinance, build a home or just looking to know how much you can qualify for, PeoplesChoice Credit Union offers a complete package of mortgage products to assist in servicing your needs.

Choose from a fixed rate or adjustable rate mortgage for financing your primary owner occupied residence, second home (non-owner occupied) and/or investment property.

Unlike most credit unions, we offer both in-house and secondary loans. By tapping into multiple lending sources, including external loans that are typically only available to large national lenders or brokers, we give you more loan options, competitive rates and superior service.

Our construction loan program is unlike any other in the area. We offer one-time close construction loans, so your loan is finalized before the builder breaks ground. In many cases, we require only 10% down, and the loan provides unlimited draws so that funding your home’s construction runs smoothly.

We offer ANY type of residential loan program available. Choose from a fixed rate or adjustable rate mortgage for your primary residence or investment property. And don’t assume you’ll have to put 10% or 20% down. Our government loan programs offer easier credit qualifying, lower down payments and closing costs.  There is also conventional financing for qualified buyers with the possibility as little as 3% down on a primary residence.residence.

We’re available and responsive. Our full-time, highly experienced in-house mortgage loan officers know the mortgage business and are ready to help! Stop by the Saco branch to meet with Kurt Schickle, the Biddeford branch to meet with Eva Sommer or the Sanford or Wells branches to meet with Marc Crocker.

We offer competitive refinancing rates. Whether you’re a long-time member, or a soon-to-be-member shopping for a great rate on refinancing your home, we can help you save money or borrow a little extra to afford a dream vacation or a home renovation.

PeoplesChoice Credit Union NMLS #449242

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With a low APR the numbers speak for themselves: Whether you choose to refinance your current home or buy a new one, this mortgage could be for you.


Maybe you’re just looking for a short-term first mortgage at a great rate. Or maybe, in addition to that mortgage, you want to borrow a little extra to finally afford that dream vacation. It doesn’t matter to us, because at PeoplesChoice, we are here to support the individual needs and desires of our members – our valued co-owners.

Our Freedom Mortgage is aptly named. Freedom implies choices – and choices are what enable you to live your dream.

  • 7, 10 & 15 Year Mortgages – Call 1-877-785-6328 for current rates.
  • Low Monthly Payments
  • Short-term First Mortgage

Call any one of our branches today to learn more about this revolutionary mortgage product with its great rate, low closing costs and low monthly payments.





For members that already own a home, you may qualify for a low interest, low cost, variable rate home equity loan. The loan is secured by the equity in your home. A maximum credit line is established and you may draw funds as you desire with a minimum withdrawal of $500.00. Interest is calculated only on the outstanding balance that is borrowed. Our home equity loan is a great choice for active money management with rates lower than credit cards or personal loans. Usually, the interest on a Home Equity Loan is tax deductible but check with your tax advisor to be sure. Funds may be used for any purpose such as a new car, college tuition, bill consolidation, home improvements and so much more.


Think you won't qualify for a government loan program? We have a variety of loans available to qualified applicants:



Financing for purchases or refinances. Available to eligible veterans (additional qualifications will apply).



A low down payment purchase program available to qualified buyers/homeowners on single family to 4 unit residences.



A financing purchase program available to qualified buyers for single-family residences. The buyers must be below the household income cap depending on the area.

More loan programs available. Terms and conditions vary. Contact us for complete information.


Kurt Schickle - Saco
Mortgage Loan Originator NMLS #381206
(207) 415-6039


Eva Sommer - Biddeford
Mortgage Loan Originator NMLS #8832


Marc Crocker - Sanford & Wells
Mortgage Loan Originator NMLS #366091 


Just starting out? Learn what to expect and how to get a great deal.


The Consumer Financial Protection Bureau offers tools to help you navigate the market, ask the questions, and take the steps that will help you to find the mortgage that’s right for you. Visit them at: