* 3.375% Rate; 3.542% Annual Percentage Rate (APR) is effective as of 6/30/2016, is fixed for 30 years at 3.375% and would result in 360 monthly payments of $4.42 per $1,000.00 borrowed. Interest rates are subject to change without notice. All other normal closing cost associated with a purchase transaction do apply. No administration fees for this loan product. Fees are subject to change without notice. Must conform to Rural Development Guarantee Program guidelines and income limits. All loans are subject to credit approval. Maximum loan amount not to exceed 102% of the property value or acquisition costs, whichever is less. The interest on the portion of the loan that is greater than the dwelling’s fair market value is not tax deductible for Federal income tax purposes. A tax adviser should be consulted regarding the deductibility of interest and charges. This program is available for purchase of single family primary residences. Payments do not include amounts for taxes and insurance and the actual payment obligation will be greater. Please contact your local Peoples Trust Company Loan Officer for more details.

** Prequalification is contingent on credit qualifications and underwriting criteria.