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Affordable Housing Program at Work in North DakotaAffordable Housing Video/Webinar Affordable Housing Program at Work in North Dakota See how the Affordable Housing Program is at work in North Dakota. Collateral Training: The MCV ProcessMember Services Video/Webinar Collateral Training: The MCV Process This training covers the core concepts you need to know about the MCV process – the who, what, where, when, why and how's of an MCV. A Closer Look at the 7 Scoring Criteria that Impact AHP ProjectsAffordable Housing Article A Closer Look at the 7 Scoring Criteria that Impact AHP Projects Affordable Housing Program funds are awarded on a competitive basis to applicants based on defined scoring criteria. Gain a deeper understanding of the seven scoring criteria that impact a projects final score. Reporting and Pledging Loans in Forbearance Due to Declared DisasterMember Services Article Reporting and Pledging Loans in Forbearance Due to Declared Disaster FHLB Des Moines is providing disaster recovery accommodation relief for members with borrowers and loans impacted by the devastating wildfires in Southern California. Down Payment Product GuideAffordable Housing Whitepaper Down Payment Product Guide Access grant funds through FHLB Des Moines for down payment, closing costs and homeownership counseling for eligible households with incomes at or below 80% of area median income (AMI). Member Impact Fund - North DakotaAffordable Housing Video/Webinar Member Impact Fund - North Dakota FHLB Des Moines members and community partners describe the positive ways they have utilized the Member Impact Fund in North Dakota New Mortgage Rate Relief Program Makes Homeownership More AffordableMortgage Partnership Finance Video/Webinar New Mortgage Rate Relief Program Makes Homeownership More Affordable Launched in 2024, the Mortgage Rate Relief product was designed to make homeownership attainable for borrowers at or below 80% of the FHFA Underserved Areas Data, by permanently reducing their interest rate by approximately 2 percentage points lower than the current market rate. Webinar: Expanding Native Homeownership Opportunities with HeritageOneAffordable Housing Video/Webinar Webinar: Expanding Native Homeownership Opportunities with HeritageOne In this webinar, FHLB Des Moines and Freddie Mac discuss products to help increase access to affordable housing for Native People on tribal lands. Time Deposits: Enough Already?Advances Article Time Deposits: Enough Already? Senior Relationship Manager John Biestman examines recent deposit trends and shares several strategies to consider when funding your balance sheet with duration certainly, topped off with a double discount. Material Adverse Events: When and How to ReportAdvances Article Material Adverse Events: When and How to Report It is the responsibility of all members to report any material adverse change that has occurred that affects the member's financial condition. Key Elements to Accessing FHLB Des Moines Products & ServicesMember Services Article Key Elements to Accessing FHLB Des Moines Products & Services The Federal Home Loan Bank of Des Moines is committed to our core mission of providing liquidity to our members and being available when you need us. Explore the key elements to accessing FHLB Des Moines products and services. Pocket Neighborhood Provides Affordable Homeownership Opportunities for Rural IowaAdvances Case Study Pocket Neighborhood Provides Affordable Homeownership Opportunities for Rural Iowa Maquoketa State Bank partnered with East Central Development Corporation to develop a pocket neighborhood with help from funds they received from the Affordable Housing Program.