Eligibility Requirements

Review the eligibility requirements below to see if you qualify for the Live Near Your Work program.

The two primary qualifying requirements are that you work with a program-approved lender and purchase a property in an eligible neighborhood.

Eligible Neighborhoods

Click on the magnifying glass icon on the map to search any address  and see if it falls within the program boundaries.

The below resources detail the criteria and information required to qualify for the Live Near Your Work program. If you are ready to apply, click here.
Eligible Washington University employees must meet all of the following criteria:
  1. Must be a full- or part-time employee of Washington University working 20 or more hours per week and in good standing. Graduate students, Postdoctorals, and Fellows are not eligible.
    1. Must be purchasing an eligible property as described herein.
    2. Employees can use this benefit only once. The benefit cannot be combined with another employee’s benefit on a single home purchase.
  2. Eligible employees must qualify for a mortgage through a participating approved lender (see Approved Lenders List).
  3. First time home buyers must participate in a first time home buying counseling program selected by the program administrator.
  4. Must not be a “disqualified person” of Washington University within the meaning of Section 4958 of the Internal Revenue Code, as determined by the Controller of the University in their discretion. In general, a disqualified person includes a trustee, officer, or any other employee who is or was at any time during the previous five (5) years in a position to exercise substantial influence over the affairs of Washington University as well as his or her family members.
Eligible BJC HealthCare employees must meet all of the following criteria:
  1. Primary job must be located on the Washington University Medical Campus.
  2. Must be a full- or part-time employee working 24 or more hours per week. Graduate students, Postdoctorals, and Fellows are not eligible.
  3. Must be purchasing an eligible property as described herein.
  4. Employee can use this benefit only once. The benefit cannot be combined with another employee’s benefit on a single home purchase.
  5. Eligible employees must qualify for a mortgage through a participating approved lender (see Approved Lenders List).
  6. First time home buyers must participate in a first time home buying counseling program selected by the program administrator.
  7. Must not be a “disqualified person” of BJC HealthCare. In general, a disqualified person includes a trustee, officer, or any other employee, or family member of such employee, who is or was any time during the previous five years in a position to exercise substantial influence of the affairs of BJC HealthCare.
Eligible Properties must meet all of the following criteria:
  1. They must be 1-4 family buildings
  2. Single-family homes, duplexes, condominiums, apartments, and townhomes are all eligible.
  3. You may buy a single apartment or condo unit, just not an entire building consisting of more than 4 units.
  4. They must be the primary residence of the purchasing employee.
  5. The home must be located in one of the approved neighborhoods (see Eligible Neighborhoods List).

Before submitting your eligibility form, make sure you’ve read our Eligibility Criteria and Program Guidelines.
A representative from our team will review your submission and contact you within five business days.

Approved Lenders

To participate in the Live Near Your Work Program, your loan must be secured from one of the approved lenders outlined below.
You must work with the one of the provided contacts listed at each bank in order to participate in our program.

Sandy Smith
4415 M.L. King Drive
Alton, IL 62002
618-659-6683 ext. 46683 (Direct)
618-606-0632 (Cell)
Sandy.Smith@Busey.com

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Bridget Gilbert
425 North Ballas Road- Suite 101
Saint Louis, MO 63141
314-835-3747 ext. 23747 (Office)
314-288-5381 (Cell)
Bridget.gilbert@centralbank.net

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Evette S. Baker
6630 Delmar Blvd
University City, MO 63130
314-746-3550 (Office)
314-269-3391 (Cell)
evette.baker@commercebank.com

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Matt Rimkus
1 First Missouri Center
St. Louis, MO 63141
314-579-1669 (Office)
636-541-4693 (Cell)
Matt.Rimkus@fbol.com

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Marty Saladin
9717 Landmark Pkwy Drive, Suite 101
St. Louis, MO 63127
214-448-5071 (Cell)
marty.saladin@guildmortgage.net

Melissa Keyser
9717 Landmark Pkwy Drive, Suite 101
St. Louis, MO 63127
314-346-6264 (Cell)
mkeyser@guildmortgage.net

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Olga Basilio
Mortgage Loan Originator
212 S. Central Ave. 2nd Floor
St. Louis, MO 63105
314-512-8867 (Office)
217-882-6122 (Fax)
obasilio@midlandsb.com

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Angie Schulze
10501 Watson Road
St. Louis, MO 63127
314-853-4557 (Cell)
314-720-0490 (Fax)
Angela.schulze@regions.com

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Kevin Singh 
6680 Delmar Boulevard
University City, MO 63130
630-847-1302 (Cell)
314-465-5553 (Office)
Kevin.Singh@regions.com

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Kent Hackstadt
12655 Olive Boulevard, Suite 250
St. Louis, MO 63141
314-317-6980 (Office)
618-792-0107 (Cell)
hackstadtk@stifelbank.com

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Kimberly Poe
216 South Kingshighway Boulevard
Saint Louis, MO 63110
314-497-8695 (Office)
kimberly.poe@usbank.com

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