The Energy StarŪ
Home Mortgage Program

An Energy Star Home can provide you with reduced energy costs, high quality construction, improved comfort, better indoor air quality and higher resale value. You can also feel great about helping the environment because saving energy reduces air pollution. Further information on Energy Star Homes can be obtained by calling 1-800-628-8413.

And to help you better afford your dream home, Milford Federal offers the Energy Star Home Mortgage Program for areas serviced by Massachusetts Electric and Narragansett Electric utility company with the following money-saving discounts and valuable benefits:

• No-cost pre-approval
• Expanded debt to income ratios
  Up to 45%(and sometimes higher) to qualified applicants
• Low down payment program
• A variety of mortgage products, including-
  Fixed- and adjustable-rate and jumbo loans with no prepayment penalties
• Personalized, professional service-
  Both before and after your loan closes
• Prompt loan decisions
• Convenient application process

George DiGregorio 246 Main Street Milford, MA 634-2500 ext. 273 1-800-478-6990

Karen Beane 1271 Providence Rd Whitinsville, MA 234-8256 ext. 11 1-800-357-2265

Sandra Oliver 1950 Diamond Hill Rd Woonsocket, RI 765-2900 ext. 12 1-800-678-4779

Energy StarŪ is a U.S. registered mark.As an Energy Star Financing Partner, Milford Federal has agreed to offer mortgage terms for the purchase of homes that meet the Energy Star guidelines for energy efficiency and meet the applicable Milford Federal underwriting and credit requirements. Closing cost savings are either rebated or applied at closing upon receipt of an Energy Star Home Certificate. Borrower is responsible for all closing costs. For down payments less than 20% Mortgage Insurance (MI) is required and MI charges apply. These savings cannot be combined with any other promotional offers or rebates and are not transferable. Milford Federal Savings makes no representation regarding the aforementioned entities whose services and fee arrangements are separate from Milford Federal Savings. Program terms and conditions are subject to change without notice. Other restrictions and limitations apply.