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Explore the SMART Program and Eligibility
The SMART Scholarship-for-Service Program is a unique opportunity for science, technology, engineering, and mathematics (STEM) students to advance their education and jumpstart their careers. SMART provides merit-based scholarships to bachelor's, master's, and doctoral students pursuing STEM degrees. SMART scholarship recipients receive full tuition, annual stipends, summer internships, and after graduation, civilian employment with the Department of Defense. Applications are open annually from August 1 to the first Friday in December. Check your eligibility now to see if you qualify and take the first step toward a successful future in STEM.

Annual Stipend
SMART scholars earn annual stipends between $30,000-$46,000 depending on degree level

SMART Scholarship-for-Service Program The SMART Program was established to increase the DoD workforce with civilian scientists, engineers and researchers.

The Community Affordable Loan Solution is a Special Purpose Credit Program which uses credit guidelines based on factors such as timely rent, utility bill, phone and auto insurance payments. It requires no mortgage insurance or minimum credit score. Individual eligibility is based on income and home location. Anyone from any race or ethnicity is welcome to apply. Prospective buyers must complete a homebuyer certification course provided by select Bank of America and HUD-approved housing counseling partners prior to application.

This new program is in addition to and complements Bank of America’s existing $15 billion Community Homeownership Commitment™ to offer affordable mortgages, industry leading grants and educational opportunities to help 60,000 individuals and families purchase affordable homes by 2025. Through this commitment, Bank of America has already helped more than 36,000 people and families become homeowners, having provided more than $9.5 billion in low down payment loans and over $350 million in non-repayable down payment and/or closing cost grants. To date, two-thirds of the loans and grants made through the Community Homeownership Commitment has helped multicultural clients to achieve homeownership.

Bank of America also has a 26-year-long relationship with non-profit Neighborhood Assistance Corporation of America (NACA), through which the Bank has committed to providing up to $15 billion in mortgages to homebuyers through May 2027, with a focus on low to moderate income borrowers.

According to the National Association of Realtors, today there is a nearly 30-percentage-point gap in homeownership between White and Black Americans; for Hispanic buyers, the gap is nearly 20 percent. And the competitive housing market has made it even more difficult for potential homebuyers, especially people of color, to buy homes.

“Homeownership strengthens our communities and can help individuals and families to build wealth over time,” said AJ Barkley, head of Neighborhood and Community Lending for Bank of America. “Our Community Affordable Loan Solution will help make the dream of sustained homeownership attainable for more Black and Hispanic families, and it is part of our broader commitment to the communities that we serve.”

In addition to expanding access to credit and down payment assistance, Bank of America provides educational resources to help homebuyers navigate the homebuying process, including:

First-Time Homebuyer Online Edu-Series,™a five-part, easy-to-understand video roadmap for buying and financing a home, available in English and Spanish.
BetterMoneyHabits.com free financial education content, including videos about managing finances and how to prepare for buying a new home.
Bank of America Down Payment Center – site to help homebuyers find state and local down payment and closing cost assistance programs in their area. Bank of America participates in more than 1,300 state and local down payment and closing cost assistance programs.
Bank of America Real Estate Center – site to help homebuyers find properties that may qualify for Bank of America grant programs and Community Affordable Loan Solution™.
For more information, contact Bank of America at 1-800-641-8362.

https://newsroom.bankofamerica.com/content/newsroom/press-releases/2022/08/bank-of-america-introduces-community-affordable-loan-solution--t.html

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