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

Our HeRO program provides funding to approved agencies in Missouri, which then allocate home repair grants to
residents.  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.