HOME LOAN CENTER

Mortgage Made Simple

We’re home loan specialists. Whether you’re building or buying—we know the industry, we know your communities. We are here for you in all of our communities!

Home Loans

Whether you’re building or buying, having a transparent lender and loan officer makes all the difference. We offer complete mortgage loan services—across Texas and New Mexico communities—through our Home Loan Center. We handle FHA, VA, USDA and conventional financing and a variety of speciality products. From getting prequalified before house hunting to meeting you at the closing—we’re your people!

PEOPLES BANK HOME LOAN CENTER TEAM

Here to Take Care of You

Lacie Walton

Lacie Walton

Executive Vice President, Mortgage Department Manager

Sonya Garcia

Sonya Garcia

Vice President, Mortgage Operations Manager

Christian Allen

Christian Allen

Mortgage Loan Officer, Banking Officer

Hablo español


NMLS #1534034

Direct: 806-776-2041

Cell: 623-249-9259

[email protected]

PEOPLES BANK MORTGAGE PROCESS

Your Road Home

1-2 DAYS

Pre-qualification

Pre-qualification

Visit with lender to discuss your loan options. They will walk you through getting prequalified by reviewing the information on your application and reviewing credit, assets, income, and expenses. If you qualify, they can prepare a pre-qualification letter. Depending on your application status, they may counsel you changes to make or additional information they need. They'll guide you in gathering needed documentation. This may include tax returns, bank statements, paystubs, identification, etc. Once prequalified- the letter is good for 90 days. After that point the lender may need to update some information to issue you another one.

1-3 MONTHS

House Hunting + Make an Offer

House Hunting + Make an Offer

Now that you have been pre-qualified you can hunt for your future home! Once you have extend an offer, have it accepted, and sign a contract—the lender can lock in your rate. Once your rate is locked in, your lender will start your full loan application.

*30 DAY TIMELINE EXAMPLE. NOW CLOCK STARTS TICKING TO MEET CLOSING DATE.

1-3 DAYS

Initial Applications + Lender Disclosures

Initial Applications + Lender Disclosures

The lender will work with you to lock the rate and provide to you a copy of the initial application. You'll also recieve initial disclosures to sign. You can also expect a list of any additional documentation you will need to provide.

10-15 DAYS

Processing of Your Loan

Processing of Your Loan

Once the paperwork has been turned into your lender, they can begin processing and verifying all of the information. No home purchase process is ever the same, and they may reach out to you for additional documentation. After receiving all reports and documents, the file is submitted to the underwriter.

1-3 DAYS

Underwriting of the Loan

Underwriting of the Loan

Once everything has been received and verified, the underwriter reviews your file to make sure all guidelines have been met. When all guidelines are met, they issue a clear to close.

1-3 DAYS

Pre-closing

Pre-closing

When the file is cleared to close, the closer balances all final numbers with the title company. The closer issues your closing disclosure to you to approve. This happens at least 3 business days prior to closing.

1-2 Days

Closing / Funding

Closing / Funding

This is the day you'll want to pop the champagne or grab celebratory dinner. On your closing date, you'll meet your realtor and closer at an agreed upon title company. You and any co-borrowers will sign all closing documents. You will also provide your funds for closing. This includes your down payment and closing costs. Title forwards those funds and will turn over the keys to your new home.

Lacie Walton

Lacie Walton

Executive Vice President, Mortgage Department Manager

NMLS# 469782

Direct: 806-776-2088

Cell: 806-441-8036

[email protected]

Lacie Walton's Bio

Lacie Walton is a highly experienced and respected mortgage professional, having spent over 28 years in the industry. Currently serving as Executive Vice President and Mortgage Department Manager at Peoples Bank Home Loan Center, she is also active in the West Texas Homebuilders Association and Lubbock Board of Realtors.


Lacie is deeply committed to helping her borrowers achieve their homeownership, debt consolidation, or home improvement goals. Known for her excellent customer service and ability to secure the best deals for her clients, she has built a strong following among realtors and builders.


Outside of work, Lacie enjoys reading, traveling, and spending time with her family, including her husband Mike, daughter Carley, and two Goldendoodles, Willow and River. A native of Lubbock, she is a proud graduate of Frenship High School and Texas Tech University, and an avid Red Raider fan. In her leisure time, she loves to visit vacation spots like Colorado and Florida, and is an animal lover with a particular fondness for icing (which she is known to enjoy by the container).

Sonya Garcia

Sonya Garcia

Vice President, Mortgage Operations Manager

NMLS# 1622095

Direct: 806-776-2083

Cell: 806-445-1295

[email protected]

Sonya Garcia's Bio

Sonya Garcia is a highly motivated and well-respected mortgage professional with over 13 years of mortgage experience. Currently serving as Vice President and Mortgage Operations Manager, she understands every step of the mortgage process.


Born and raised in Lubbock, Sonya is very committed to serving and volunteering within the community. She is active in the West Texas Homebuilders Association, Junior League of Lubbock, Girl Scouts and the Lubbock Chamber of Commerce. She received a Bachelor of Arts degree from St. Edward’s University.


As a dedicated professional, Sonya is passionate about helping her clients achieve their homeownership goals through a smooth and stress-free mortgage process. She takes time to listen to her clients and understand each client’s unique financial situation.


Sonya is married to Tony and in their free time they enjoy traveling, spending time with their family and spoiling their two yorkies, Milo and McKenzie. 

Christian Allen

Christian Allen

Mortgage Loan Officer, Banking Officer

Hablo español


NMLS #1534034

Direct: 806-776-2041

Cell: 623-249-9259

[email protected]

Christian Allen's Bio

Christian Allen is passionate about helping clients every step of the way through the mortgage process. Christian has been in the banking industry for 21 years and he has spent the last 5 years in mortgage.  During his time in the industry, he has learned the importance of understanding his customers’ needs and wants. He currently serves as a Mortgage Loan Officer for Peoples Bank.


Christian is committed to taking time to listen to his clients. He believes mortgage lending isn’t just about handing out loans, it is helping people make their dream of owning a home a reality. Whether it’s improving their financial situation or finding the perfect place to call home, he is there every step of the way. He believes everyone has their own story and he enjoys taking time to listen to them, finding the right loan for them, and being there to help them through it all.


Born and raised in Lubbock, Christian enjoys giving back to the community and is currently a member of the West Texas Home Builders Association, Lubbock Association of Realtors and the West Texas Mortgage Bankers Association. Christian and his wife, Alessandra, have three children, Camila, Catalina, and Antonio. In their free time they enjoy traveling and attending sporting events, especially baseball games.  

Refinancing Your Home

Refinancing Your Home

Deciding to refinance your home can feel big. At Peoples Bank we see the big picture. Refinancing can potentially lower your monthly payment, shorten the term of your loan, or free up cash for improvements. We’d love to walk you through the numbers and options!

People That Know Mortgage

PEOPLES BANK

People That Know Mortgage

Looking for personal, local financial services?

See mortgages and banking made simple!