• A couple drinking coffee in their home
  • Home Turf Loans

    When it comes to achieving your goal of homeownership, we believe in you.

    The Home Turf Loan Program is designed to help you even if your credit is less than perfect. Get a play-by-play look at how our Home Turf Loan Program can help you tackle the financial obstacles of becoming a homeowner.

  • Download our Home Turf Loan brochure to learn more or contact LaDonna Ali at 816-521-2543 to get started!

    Download Our Brochure       Apply Now
  • Area of Availability

    The Home Turf Loan program is available to eligible borrowers in low and moderate income census tracts located in the following counties:
    MO: Jackson, Cass
    KS: Johnson, Wyandotte, and Douglas

    If the property you're interested in is not eligible for the Home Turf Loan, we will visit with you about other loan options available.

    Home Turf Loan Program Details

    Max Loan Amount
    Down Payment
    Low down payment (home purchase only) 
    Acceptable sources of down payment are: your own funds, grant money, government assistance program, or gift from a relative. 
    Loan Terms
    Multiple fixed rate terms available
    Purchases and refinances
    No cash out
    Closing Costs
    All normal closing costs are paid for by Central Bank, including home inspection and appraisal
    Prepaid expenses (up front real estate taxes and homeowners insurance) to be paid by the borrower, seller or gifted
    Eligible Properties
    Single family, owner occupied, primary residences only**

    Home Turf Loan borrowers will need to meet the following requirements:

    • Be a U.S. citizen or permanent resident alien (documentation required)
    • Income level at or below 80% of the area median income*
    • One year of consecutive employment
    • Foreclosure, deed in lieu or bankruptcy must be discharged for two years
    • Borrowers purchasing a home must complete a homeowners education course
    • Non-occupant co-borrowers will be considered
  • *80% of the 2018 median family income for Kansas City MSA = $63,920. Lawrence MSA = $69,920     
    **Leasehold properties not eligible. Manufactured housing not eligible (defined as any dwelling unit built on a permanent chassis and attached to a permanent foundation system)