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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. Down Payment Product Guide 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). New Mortgage Rate Relief Program Makes Homeownership More Affordable 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. Supporting Loan Demand in Rural Iowa: A Message from an Iowa Member Case Study Supporting Loan Demand in Rural Iowa: A Message from an Iowa Member In rural Iowa, access to liquidity is critical– not only to Iowa State Bank and Trust, but the employers, farmers, school districts and non-profits that rely on our employees' expertise and the bank's credit products. The Value of the Dividend Article The Value of the Dividend As a customer, you have access to our full suite of products and services, education and much more. As a shareholder, you are entitled to a share of the Bank's profits which take the form of a cash dividend as well as a Community Investment Dividend. The Value of Membership Article The Value of Membership Are you fully utilizing all of the benefits that come with being a member of Federal Home Loan Bank of Des Moines? Find out now.