Citizens National Bank is pleased to introduce our Home Ownership Program and Education or HOPE Mortgage Program. HOPE mortgages present an opportunity for first-time home buyers to purchase a new or existing home in the City of St. Louis, St. Louis County and St. Charles County. Citizens HOPE Mortgage loans are specifically designed to assist first-time homebuyers who have low to moderate income.(1) Applicants will have to successfully complete homebuyer education counseling and classes provided by Beyond Housing, a not-for-profit agency. Our HOPE program targets first-time home buyers who have limited or no credit history, however first-time home buyers that have an existing credit history who meet the income and education requirements are also eligible.
To assist HOPE Mortgage applicants from the City of St. Louis, Citizens National Bank also offers a grant to first time home buyers. Assistance is limited to 3% of the purchase price with a maximum of $3,000 for owner occupied properties located in the city of St. Louis.
For additional information concerning Citizens a HOPE Mortgage or a grant for down payment assistance (City of St. Louis only), contact Jim Nottelmann, HOPE Mortgage Loan Officer, NMLS #795030 at (314) 735-1905 or firstname.lastname@example.org.
(1) The total household income of the applicant(s) must be 80% or below of the St. Louis area median income level as established by the Department of Housing and Urban Development. Call for details.