State Savings Bank is allowing certain borrowers to put down just 1% for their mortgage as long as a family member of other source supplies another 2%.

The low-down-payment mortgages are available to residents of the Columbus area who do not earn more than 115% of the median income of their region.

The thrift said the program, in which PMI Mortgage Insurance Co. will cover the loans, includes flexible underwriting and rewards borrowers who have demonstrated the ability to save money.

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