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Advance Restructuring For Your Institution Article Advance Restructuring For Your Institution If your institution has outstanding Federal Home Loan Bank of Des Moines Advances and would like to extend your duration, FHLB Des Moines offers restructuring Advances using the Blend & Extend strategy. Home$tart Turns Setback Into Stability Article Home$tart Turns Setback Into Stability An unexpected event turned into a loss of hope for a family's home purchase, until a $15,000 Home$tart grant helped cover costs and keep their dream alive. “Two” Good: Minnesota Teacher Taps Two Programs to Buy First Home Article “Two” Good: Minnesota Teacher Taps Two Programs to Buy First Home First State Bank and Trust and FHLB Des Moines Partner to Help First-Time Homebuyer Standby Letter of Credit Product Spotlight Video/Webinar Standby Letter of Credit Product Spotlight In our two-part video series, hosted by Member Relationships Director Brad Spears, we demonstrate the value of the Letters of Credit (LOC) opportunity for our members along with a variety of case studies to show how members benefit from FHLB Des Moines LOCs. Marginal Cost of Funds Whitepaper Marginal Cost of Funds Whether creating a new account type for a niche market or simply responding in lockstep with your competitors' rate movements, it's important to understand your marginal cost of funds to avoid overpaying for deposits. Beat the Spread - A Strategy to Secure Low-Cost Funding Whitepaper Beat the Spread - A Strategy to Secure Low-Cost Funding If your institution is in the market for low-cost, long-term funding, the Federal Home Loan Bank of Des Moines has a strategy for you to lock in and “Beat the Spread”. Operational Liquidity Testing Checklist and Best Practices Article Operational Liquidity Testing Checklist and Best Practices Testing ensures your operational procedures are effective and demonstrates your access to liquidity. Can your institution demonstrate the appropriate personnel understand the process of requesting funds from FHLB Des Moines? Stronger Together: Strengthening Communities Through Partnership and Purpose Case Study Stronger Together: Strengthening Communities Through Partnership and Purpose Twin Cities Habitat for Humanity and Federal Home Loan Bank of Des Moines have partnered to make homeownership more accessible through advance discount rate. This reflects a shared commitment to building stronger communities by supporting affordable housing initiatives and empowering families. Liquidity 2.0: Emerging Strategies & Best Practices for Credit Unions Video/Webinar Liquidity 2.0: Emerging Strategies & Best Practices for Credit Unions This webinar introduces new tools, strategies and case studies to help credit unions better manage risk and plan for the future. Affordable Housing Program at Work in North Dakota 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 Process 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 Projects 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.