Resources for New and Prospective Home Buyers

If you are interested in the program but not quite ready to buy a house, 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 savings, credit scores, budgeting, and more.

Below are two links to home buyer education courses for initial introduction to home buying:


1. Gateway Neighborhood Mortgage Program

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

Mention that you are interested in the Gateway Neighborhood Mortgage Program.

This is currently offered by our approved lenders Central Bank and Enterprise Bank.

Contact: Randen Click

(314) 226-5053



BJC employees have access to the Employee Assistance Program.

EAP offers a wide variety of resources to employees and their immediate family members.

  • financial planning
  • consultation
  • referrals and resources

Visit their website:


3. Believable Banking Home Mortgage Program

The Believable Banking Home Mortgage is 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 helps educate new and existing homeowners. The “Emergency Reserve Fund” helps empower them to face life’s challenges that potentially threaten their homeownership.

  • Not credit score driven
  • Mortgage insurance not required
  • Most down payment assistance programs allowed
  • Emergency reserve fund required

Contact: Crystal Morris

Believable Banking Home Mortgage


Midland Bank Website

Operation HOPE offers the following FREE resources:

  • Classes cover:
    • budgeting
    • paying off debt
    • establishing savings
    • understanding your credit score
    • reading a credit report
    • knowing your right as a consumer
    • settling accounts
    • disputing inaccurate information
    • establishing and rebuilding your credit profile


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.


Contact your Operation HOPE Financial Well Being Coach today!

Reginald D. Garth, Financial Well Being Coach

Operation HOPE, Inc. 

(314) 613-3196 – office

1200 Market Street 63103