*Offer good through August 31st, 2022. No closing costs unless appraisal, title search by attorney or survey required. Must be an Integrity Plus Customer with Skowhegan Savings. APR rates assume a minimum draw of $10,000 new money, a credit score of 740 or above on an owner-occupied 1-4 family property and that existing liens are only held by Skowhegan Savings. Please contact us for additional options. Introductory rate of 3.50% will remain fixed for 24 months or rate of 3.99% will remain fixed for 60 months after the date of closing and then convert to a variable rate, based on the Wall Street Prime rate at that time. This rate will be subject to change but will not be lower than 4.25% APR or higher than 18% APR. Usual closing costs range from $300-$400. All loans subject to credit approval. Other restrictions may apply.