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NBT Bank Announces New Home in the City Homebuyer Program and Partnership with Berkshire Housing Development Authority

PITTSFIELD, MA (February 24, 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 North Adams and Pittsfield, and partnering with Berkshire Housing Development Corporation (BHDC) 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 BHDC, 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 BHDC 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.

BHDC Vice President of Development Lisa Wright thanked NBT Bank for its support of first-time homebuyers saying, “Berkshire Housing looks forward to working with NBT Bank on this initiative. It provides first-time homebuyers in our area another important tool for use in achieving sustainable homeownership.”

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 BHDC at 499.1630.

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 Berkshire Housing Development Corporation (BHDC)

BHDC is a 40-year-old, mission-driven nonprofit that works to improve the quality of life for people of Berkshire County through affordable housing development and programs, property management and community development. BHDC’s mission and objectives are focused on increasing housing options by aggressively pursuing opportunities to develop or preserve affordable housing, expand rental assistance and homelessness prevention resources, increase our portfolio of affordable managed properties, and promote a seamless and comprehensive service delivery system to maximize access to existing resources. More information on BHDC is available online at www.berkshirehousing.com.

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