Program Features

  • Available for purchase or refinance of primary residence.
  • Down payment sources can include personal funds, grant money, gifts from family, or government assistance programs.²
  • Lender Credit can be applied to closing cost and prepaids for purchase transactions.³

Program Requirements

  • Income restrictions apply.⁴
  • Primary residence must be in our designated lending area.⁵
  • Individuals must complete a Central Trust Bank approved homebuyer education session and a personal monthly budget.⁶

 Home Turf Areas of Availability

The Home Turf Program is only available within certain areas of the following markets.

  • Saint Louis, MO

  • Kansas City, MO

  • Colorado Springs, CO

  • Denver, CO

  • Nashville, TN

  • Raleigh, NC

Ready to Get Started? Let’s Connect.
Select a qualified lender below that can help you with the Home Turf Program.
 
LaDonna Ali,  Community Development Lender
  Kansas City, MO
 
Von Brummer, Community Development Lender
  Saint Louis, MO
 
Sharon Johnson, Community Development Lender
  Saint Louis, MO
 
Stefanie Mitchell, Community Development Lender
  Saint Louis, MO
 
Amanda Truett, Community Development Lender
 Cary, NC
  Colorado Springs, CO
 
Eric Zegel, Community Development Lending Manager
  Saint Louis, MO
  Nashville, TN
Additional Home Turf Programs
Home Turf Loan

While the Home Turf Loan Program provides many of the features of the Home Turf Assistance program, this loan offers additional options for purchase or refinance including:

  • Fixed 15, 20, or 30 year terms.
  • No Private Mortgage Insurance (PMI) required.
  • Minimum down payment of 3%. Lesser down payment options are available based on credit score and debt to income ratio.

Contact your local lender for additional program details. The Home Turf Loan is only available in low to moderate income census tracts within the designated lending areas listed above.

Home Turf Home Improvement Loan
Home Turf Home Improvement Loan

Our Home Turf Home Improvement Loan is ideal for improvements including HVAC, roofing, flooring, bathrooms, kitchens and siding. Program features include:

  • No bank fees to those income qualified.
  • No Private Mortgage Insurance (PMI) required.
  • Low interest rates.
  • Fixed and adjustable rates available.

Contact your local lender for additional program details.

Home Turf Assistance Program Disclosures

¹Funds are only available to be used for Central Bank mortgages. Funds are available for a limited time. ²Required down payment amount will vary based on loan program selected. ³Lender Credit applied to closing costs only for refinanced transactions. ⁴Income is limited to 80% of FFIEC MSA median family income. ⁵Dwelling must be owner-occupied. Product is only available in specific geographies. ⁶Homebuyer education is only required on purchases. Applicant subject to credit and underwriting approval. Underwriting restrictions may apply. Information is subject to change. See loan officer for details.