Funding for employees of both BJC HealthCare AND Washington University in St. Louis has been depleted for the rest of 2024. Funds for BJC HealthCare employees will become available again on January 1, 2025. Funds for WashU employees will become available on July 1, 2025. Please email us at livenearyourwork@wustl.edu or call 314-747-2336 for details or if you have questions.
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
Genworth's Online Course
Stifel’s Buyers Guide to Homeownership
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.
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 Mortgage314.512.8917cmorris@midlandsb.commidlandsb.com/believable-banking-loans
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.
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 Coach314.613.3196reginald.garth@operationhope.orghttp://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.
