Program Features

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

Program Requirements

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

 Home Turf Areas of Availability

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

  • St. Louis, MO

  • Kansas City, MO

  • Colorado Springs, CO

  • Cary, NC

  • Naples, FL

  • Oklahoma City, OK

  • Tulsa, OK

Ready to Get Started? Let’s Connect.
Select a qualified lender below that can help you with the Home Turf Program.
LaDonna Ali, Mortgage Loan Officer
  Kansas City, MO
  Kansas City, MO
Von Brummer, Mortgage Loan Officer
  St. Louis, MO
Tally Rivera, Mortgage Loan Officer
 Kansas City, MO
Emerald Taylor, Home Turf
  Colorado Springs, CO
Eric Zegel
  St. Louis, MO
Additional Home Turf Programs
home turf loan picture
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:

  • Various fixed rate terms available.
  • 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.


  1. Funds are only available to be used for our mortgages. Funds are available for a limited time. Any borrower cannot receive this credit more than once in 24 months. Back to content
  2. Required down payment amount will vary based on loan program selected. Back to content
  3. Lender Credit applied to closing costs only for refinanced transactions. Back to content
  4. Income is limited to 80% of FFIEC MSA median family income. Back to content
  5. Dwelling must be owner-occupied. Product is only available in specific geographies. Back to content
  6. Homebuyer 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. Back to content