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NBT Bank Announces New Home in the City Homebuyer Program in Plattsburgh and Partnership with HAPEC

PLATTSBURGH, NY (February 9, 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 the City of Plattsburgh and partnering with HAPEC 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 HAPEC, 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 Home in the City Program provides loans to qualifying borrowers with a household income up to 120% of the HUD Area Median with:

  • 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.

Homebuyer education classes offered through HAPEC help prepare potential homebuyers for the responsibilities of home ownership and cover topics like home maintenance, how to select a realtor and mortgage lender, and how to manage credit and debt.

HAPEC Executive Director Alan Hipps thanked NBT Bank for its support of first-time homebuyers saying, “We are excited about our partnership with NBT Bank. Home ownership is a key ingredient to building the financial stability of families and our communities. The combination of NBT Bank’s loan program with our existing down payment and closing cost grants and home purchase counseling will position program participants for success.”

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 HAPEC at 518.873.6888.

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.


HAPEC is a not-for-profit community development organization that partners with local government, residents, businesses, and other organizations to foster viable Adirondack communities. For 40 years, HAPEC has provided home ownership assistance, home rehabilitation assistance, community services, multi-family housing development and rental assistance. In 2016, HAPEC provided housing services to over 1,000 households and generated more than $8.2 million in estimated regional output. HAPEC is a chartered member of the NeighborWorks Network.

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