Resources for New and Prospective Home Buyers

Are you interested in this program but are not quite ready to buy a home and need a little help? The following FREE community resources are available to help you get on the path to owning a home! Please contact any of our partners below for help with:

Saving & Budgeting
Improving Your Credit score
Understanding the Home Buying Process

Home Buyer Education

Financial Pathways

A free home buyer education course that will introduce you to home buying. Available online or by phone.

Genworth's Online Course

A free course that will help you understand the homebuying process. Available online.

Stifel’s Buyers Guide to Homeownership

This easy to follow guide walks you through the pros and cons of buying a home, and what you need to do to prepare.

Affordable Housing Financing

Neighborhood Connection Home Loan

Commerce Bank has access to a variety of affordable housing financing options to fit your unique needs, including the Neighborhood Connection Home Loan.

Evette S. Baker - Mortgage Banker314.746.3550
Believable Banking Home Mortgage

A home loan designed to assist people on the pathway to affordable, successful home ownership, while helping revitalize neighborhoods. The unique mortgage structure helps empower people to overcome some of the challenges in mortgage qualification.

  • Pre- and post- purchase home ownership counseling
  • Not credit score driven
  • Mortgage insurance not required
  • Most down payment assistance programs allowed
  • Emergency reserve fund required
Crystal Morris - Believable Banking Home Mortgage314.512.8917midlandsb.com
acrew

acrew is a social impact venture that can help you save for a home and connect you with other down payment assistance options. Every acrew member gets access to:

  • Higher APY savings
  • Match rewards, similar to a retirement plan
  • AI-enabled Down Payment Assistance Finder

Becoming an acrew member is free and usually takes less than 10-minutes.

Gateway Neighborhood Mortgage

The Gateway Neighborhood Mortgage provides loans to purchase and improve homes in neighborhoods with depressed home values.

Visit Justine Petersen for help, including any necessary credit repair, and a credit and financial health check.

Operation HOPE

One-on-One credit counseling

Work with a counselor to identify issues, review your credit report, and then create a work plan to reach your financial goals. Also offers FREE Classes on the following subjects:

Budgeting
Learn about paying off debt and establishing savings.

Establishing and Rebuilding Your Credit Profile:
Learn about understanding your credit score and reading a credit report.

Reginald D. Garth - Financial Well Being Coach314.613.3196http://www.OperationHOPE.org

BJC Financial Wellness Education

BJC employees have access to Enrich, a free financial wellness experience that you can tailor to your financial needs.

Start your financial journey! Then complete a short financial assessment so that Enrich’s adaptive learning technology can help you start learning about your most applicable money topics. If you wish, you can then call or chat with a Certified Financial Counselor.