FHA Loans help low and moderate income families become

homeowners by lowering some of the up front costs.

• Down payments as low as 3%, financing of closing costs, and/or allowing down payments to be 100% gift funds
• Positive improvement in recent one to two years credit history considered
• No income restrictions
• Competitive rates & terms
• Credit scores not required
• Appraised value may be exceeded by "Energy Efficient Improvements"

Call 800-422-3641 for more information, or visit your local

mortgage loan specialist at the Sutton Bank office nearest you.