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NBT Announces New Home in the City Program in Johnstown, Gloversville and Amsterdam

JOHNSTOWN, NY (May 24, 2017) – NBT Bank Senior Vice President and Residential Mortgage Manager Joseph Culver announced today that NBT will be offering its Home in the City Program in Johnstown, Gloversville and Amsterdam, and is partnering with Albany County Rural Housing Alliance (ACRHA) 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 and is an example of our commitment to support our local communities. By partnering with agencies like ACRHA we are providing options that might otherwise not be available to homebuyers in cities like Johnstown, Gloversville and Amsterdam.”

In addition to homeowner education, the program offers potential homebuyers the opportunity to meet with an NBT Bank loan originator to help them determine the maximum amount of a home mortgage they qualify to finance and assist with the application process 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 ACRHA. The classes help prepare them for the responsibilities of homeownership and cover topics like home maintenance, how to select a realtor and mortgage lender, credit and debt management and qualifications for down payment and closing cost assistance grants.

ACRHA Executive Director Judith Eisgruber thanked NBT Bank for its support saying, “I am always impressed when a bank, such as NBT Bank, recognizes the importance of homeownership education and partners with a community agency to offer a program that combines education with an affordable home loan option.”

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 ACRHA at 518.765.2425, Monday through Friday from 8:30 a.m. to 4:00 p.m.

About NBT Bank

NBT Bank offers personal banking, business banking and wealth management services from locations in six states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine. The bank and its parent company, NBT Bancorp, are headquartered in Norwich, NY. NBT Bancorp had assets of $8.9 billion as of March 31, 2017, and is traded on the Nasdaq Global Select Market under the symbol NBTB. More information about NBT is available online at www.nbtbank.com. Equal Housing Lender.

About the Albany County Rural Housing Alliance

Albany County Rural Housing Alliance, Inc. (ACRHA) was incorporated in 1982 as a not-for-profit, tax exempt organization to develop, rehabilitate and restore buildings and residences in rural and suburban Albany County in an effort to increase the quality and quantity of housing available to citizens of low and moderate income status. ACRHA provides technical assistance and educational programs to citizens, organizations and local governments concerning housing programs and opportunities. Services offered include: housing counseling, financial coaching, foreclosure prevention and intervention services, site and building evaluations, grant proposal preparation for community groups or local governments, home repairs, and housing rehabilitation. ACRHA is a HUD certified housing counseling agency. More information about ACRHA is available at www.acrha.org.

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