1. To qualify, the applicant’s annual income must be less than the maximum US Dept of Housing and Urban Dev (HUD) level for the area OR the address of the home must be in a low to moderate income tract based on HUD maps in MS. Minimum credit score is 600. Up to a 5-year term (60 months) with a low fixed rate. Loan amount ranges from $1,000 to $6,000. 1st or 2nd lien secured by the primary residence. Bank pays closing costs. Subject to credit approval.