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NBT Bank Announces New Home in the City Homebuyer Program and Partnership with HomeOwnership Center

UTICA, NY (March 8, 2017) – NBT Bank Senior Vice President and Residential Mortgage Manager Joseph Culver recently announced that NBT will be offering its Home in the City Program in both Utica and Rome, and is partnering with HomeOwnershipCenter (HOC) to assist first-time homebuyers.

Announcing the pledge Culver said, “Our Home in the City Program is a mortgage loan program designed specifically to encourage homeownership in cities served by NBT Bank. Through our partnership with HOC, we will encourage those interested in the program to obtain homebuyer education and determine if they qualify for available down payment and closing costs assistance grant programs. An NBT loan originator will work with potential homebuyers to determine how much they qualify to finance and help them apply for a Home in the City loan.”

The loan program provides:

  • 95% financing for the purchase of a one or two-family, owner-occupied residence;
  • An interest rate reduction of 0.25% for eligible first-time homebuyers who complete homebuyer education classes; and
  • No mortgage insurance or additional monthly payments required.

Participants may complete homebuyer education classes offered through HOC. The classes help prepare them for the responsibilities of home ownership and cover topics like home maintenance, how to select a realtor and mortgage lender as well as credit and debt management.

HOC CEO Danielle Smith thanked NBT Bank for its support saying, “We are excited to see a local partner create a product that supports first-time homebuyers while stressing the important role that education plays in producing successful homeowners and thriving communities.”

For more information on NBT Bank’s Home in the City Program, contact NBT Bank at 800.NBT.BANK (800.628.2265). To learn more about first-time homebuyer education classes, contact HOC at 315-724-4197, Monday through Thursday from 8:00 a.m. to 4:30 p.m.

About NBT Bank

NBT Bank offers personal banking, asset management and business services through a network of 154 banking locations in six states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine. NBT Bank and its parent company, NBT Bancorp, are headquartered in Norwich, NY. NBT Bancorp had assets of $8.9 billion as of December 31, 2016, and is traded on the NASDAQ Global Select Market under the symbol NBTB. More information about NBT Bank and NBT Bancorp can be found online at www.nbtbank.com and www.nbtbancorp.com. Equal Housing Lender.

About the HomeOwnershipCenter

Chartered in 1979 by NeighborWorks® America, UNHS NeighborWorks HomeOwnershipCenter promotes housing and community development through programs such as homebuyer and financial literacy education, counseling, housing rehabilitation, and foreclosure prevention. UNHS HomeOwnershipCenter also offers various down payment and closing cost assistance programs such as First Home Club.  Services are provided throughout Oneida, Herkimer, Madison, Fulton, Otsego and Montgomery counties. More information about services provided by the agency is available at www.UNHS.org.

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