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Section 3
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  Homeownership & Home Repair



First-time homebuyers

First Place Loan Program

Our "First Place" loan program gives first-time homebuyers* the edge they need to purchase a home,
with cash assistance available.  more information

Mortgage Credit Certificate (MCC)

Our MCC program provides income eligible first-time homebuyers* with an opportunity to reduce the amount
of federal income tax owed each year they own and live in their homes.
more information

Repeat or first-time homebuyers

Next Step Program

Our “Next Step” program gives first-time homebuyers as well as non-first time homebuyers the opportunity to purchase their own home with higher income limits and purchase price limits. It also gives the borrower the opportunity to receive cash assistance for down payment and closing cost assistance. more information

Military Veterans

  If you are a qualified veteran, you do not have to be a first-time homebuyer* to qualify for our "First Place"
or "Mortgage Credit Certificate" loan programs (above).
  more information

Repairing a home

HeRO Program

HeRO program provides funding to approved agencies in Missouri, which then allocate home repair grants to
more information




* First-time homebuyers are defined as those persons who have not owned a
home or had an ownership interest in a primary residence for the past three years.



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