I'm A First-Time Homebuyer

VA Home Loans: Tailored for eligible veterans, VA loans offer compelling benefits:

Zero down payment and no monthly mortgage insurance

Flexibility for lower credit scores

Potential for simultaneous multiple VA loans

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FHA Home Loans: Utilize FHA loans for low down payment benefits:

3.5% down payment

Roll upfront mortgage insurance into the loan

Flexibility for varying credit profiles

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USDA Home Loans: Specifically designed for rural homebuyers, USDA loans provide:

Zero down payment

Low minimum credit score requirement

Structured upfront funding and annual service fees​

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HomeReady Mortgages: Empowering diverse homebuyers with conventional loans:

Down payments as low as 3%

Flexibility with income sources

Affordable and cancellable monthly mortgage insurance

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Home Possible Mortgages: Ideal for low- to moderate-income buyers or those in specific regions:

3-5% down payment options

Versatile funding sources for down payments

Reduced mortgage insurance coverage

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Grants and Loan Assistance Programs:

We developed the Community Champions program to show appreciation for those who serve the communities we live in. When used with eligible programs, our community champs will have their appraisal fee waived and, in some instances, even more! Community champions program can be paired with VA, FHA, USDA and Conventional programs. 

 

Eligibility

 

In order to qualify for this program, you must be employed full-time in one of the following professions:

 

Emergency medical technicians (EMT) registered with the EMT National Registry and licensed by state EMS authority. 

 

Fire department staff, including firefighter, drive, lieutenant, captain, battalion chief, district chief, deputy or assistant chief and all support staff. 

Police department staff, including police officer, detective, sergeant, captain, commander, deputy chief, chief of police, station master and all support staff. 

911 staff, including operator, dispatcher or telecommunicator. 

School staff (K-12 only) including teacher, nurse, principal, assistant principal, teacher's assistant, office manager and all support staff. 

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Benefits: 

Lender credit up to $900

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MHDC Loans: Missouri Housing Development Commission offers forgivable second mortgages:

Cash assistance equals 4% of the initial mortgage amount

Flexibility allowing gifts and a low minimum credit score requirement

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For detailed information on local assistance programs, reach out to your dedicated loan officer. They can guide you through additional beneficial options available in your area!