(1) Community Lending Program Mortgages are available on first lien, 1-4 family owner-occupied primary residences with a 30-year maximum term and a maximum loan amount that is 125% of the median sales price per county/MSA, as sourced from Realtor.com. For a $300,000 loan, the Annual Percentage Rate (APR) is 5.897% over 30 years, with a monthly payment of $5.92 per $1,000 borrowed. Payments disclosed do not include taxes & insurance. Title and property insurance are required; flood insurance is required when applicable. Other closing costs may apply. The Community Lending Program offers a rate up to 1% lower than the current PSBT 30-year fixed mortgage rate of 6.875%, with a floor of 5.00%, effective 4/23/2025. This rate reflects a 0.25% reduction for autodraft of payment from a Peoples Security Bank & Trust checking account. Subject to credit approval. Offer subject to change at any time without notice. (2) Maximum debt-to-income ratio is 45%. (3) Borrower’s household income may not exceed 80% of the county median income per household as recently published by HUD. (4) Online Home Buyer education course required through MGIC. (5) Finance up to 97% of the lower of the purchase price or appraised property value. (6) Lender paid PMI. (7) Minimum contribution of 1% for 1 unit owner-occupied properties. Down payment assistance in the form of Local or County Assistance Programs/Grants, Peoples Security Bank & Trust grants and loans may be combined with borrower funds to meet down payment and closing cost requirements.