The HOME St. Charles program is an effort by the County to provide zero-interest down payment loans to income-eligible homebuyers living within the "St. Charles Urban County."
How It Works
The second mortgage loans are at zero percent interest, forgivable after five years and will be originated and sold to St. Charles County by approved not-for-profit housing counseling agencies. St. Charles County will provide each housing counseling agency with a program manual that will provide detailed program procedures, and will coordinate a training and review session with participating agencies. For additional questions, please contact Amy Ellis at 314-615-4592.
Housing Counseling Required
For a loan amount up to $5,000, housing counseling is required. Participating lender / counseling agencies include:
Better Family Life 5415 Page Ave. St. Louis, MO 63112 Ph: 314-367-1843
Beyond Housing / NHS 6506 Wright Way St. Louis, MO 63121 Ph: 314-533-0600
Northeast Community Action Committee 3400 Meadow Pointe Drive O'Fallon, MO 63366 Ph: 800-748-7636
Housing Partnership 336 E. Ripa Ave. St. Louis, MO 63125 Ph: 314-631-9905