It's easy to apply for a Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.

We offer 1 year, 3/1-year, and 5/1-year adjustable rate mortgages. All have rate caps which protect you over the life of the loan.

A 1-Year Adjustable Rate Mortgage is a mortgage with the following features:

A 3/1 Adjustable Rate Mortgage is a mortgage with the following features:

• Interest rate and payment amount is fixed for the first 3 years
• After 3 years, interest rate is subject to change every year with caps of 2% per adjustment and 6% for the life of the loan
• A variety of terms are available

A 5/1 Adjustable Rate Mortgage is a mortgage with the following features:

• Interest rate and payment amount is fixed for the first 5 years
• After 5 years, interest rate is subject to change every year with caps of 2% per adjustment and 5% for the life of the loan
• Owner-occupied properties only

It's easy to apply for a Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.

A 1-Year Convertible Adjustable Rate Mortgage is a mortgage with the following features:

• Interest rate is subject to change every year with caps of 2% per adjustment and 6% for the life of the loan
• The loan can be converted to a fixed rate loan any time between the 1^st and 5^th change dates with only a $250 conversion fee
• A variety of terms are available

It's easy to apply for a Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.

A Jumbo Mortgage is a mortgage with the following features:

• Maximum loan amounts from $240,000 to $1,500,000.
• Owner-occupied properties only

And Jumbo Mortgages are available for the following products (and carry their added features):

• Fixed Rate Conforming Mortgage
• 1 Year Adjustable Rate Mortgage
• 3/1 Adjustable Rate Mortgage
• 5/1 Adjustable Rate Mortgage
• 1 Year Convertible Adjustable Rate Mortgage
• Owner-Occupied Construction Mortgage

It's easy to apply for a Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.

People's makes it easy to buy property and build a home with one application, one loan and one closing. Come see why we were honored with the "Best Construction Mortgage Program Award" by the Connecticut Homebuilders Association in 1997.

It's easy to apply for a Construction Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.

Our First-time Homebuyer's Program was named the best in Connecticut in 1995 and 1996 by the Connecticut Homebuilders Association

Whatever your reason for buying a home, you have probably discovered that it is not a simple process. Even if you have a good job and pay all of your bills on time, you might wonder if you can take on the extra financial responsibility of making a mortgage payment, furnishing your home and making repairs.

We can help. People's Bank gives you the opportunity to purchase almost any single-family home with as little as a five percent down payment and, in some cases, a three percent down payment with the assistance of a family member or employer. In addition, you can choose from a 15- or 30-year Fixed Rate Mortgage with generous qualifying guidelines. People's also allows you to choose your method of payment. You can select regular billing, pay-by-phone or automatic checking account deduction when paying your monthly mortgage bill.

Most importantly, People's Bank has FREE Buyer Education Course for First Time Home Buyers. In just a few short hours, in the comfort of your own home and at your own pace, you will become familiar with many important aspects of home ownership through the Dollars and Sense Guide to Home Ownership. Successful completion of the Buyer Education Course and the Guide Workbook is required of all borrowers purchasing homes utilizing the Affordable Housing Products.

Email to request the Buyer Education Course Workbook, "A Dollars And Sense Guide to Home Ownership."

It's easy to apply for a Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.

CHFA (CONNECTICUT HOUSING FINANCE AUTHORITY)

The Connecticut Housing Finance Authority provides low down payment and below market interest rate financing for first-time home buyers. CHFA defines first-time home buyers as borrowers who have not had an ownership interest in a principal residence for a period of three years prior to application, or those who have owned in the past three years and are purchasing in a federally-designated targeted area.

The CHFA down payment Assistance Program (DAP) provides financial assistance in the form of second mortgage loans to eligible first-time home buyers (or borrowers who have not owned a home in the past three years) based on their financial needs to assist in the purchase of a 1-4 family home, condominium or PUD (Planned Unit Development).

It's easy to apply for a Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.

FHA - FEDERAL HOUSING ADMINISTRATION Mortgage

To qualify for the FHA Program, the Borrower:

1. must occupy the property as a principal residence
2. may not have another FHA-insured mortgage unless:
   - re establishing residency to another location not within reasonable commuting distance of principal residence
   - increase in family size where present house no longer meets the family's needs
   - vacating a jointly-owned property
   - non-occupying co-borrower purchasing a new residence

3. or Borrower's employer must not appear on HUD's Limited Denial of Participation List

It's easy to apply for a Mortgage at People's -- We can Call You Now, or you can just Email to request an application or call 1-800-772-1090 or visit your local People's branch. You'll even find us 7 days a week at select Super Stop & Shop locations across Connecticut.