The Nurses Home Loan Program is an intentionally designed home buying strategy designed to provide better options to and for the home buyer/owner and their unique situation. The Nurses Home Loan Program can utilize low to no down payment mortgage programs along with programs that help with providing down payment grants and assistance. Options can include seller and lender credits to provide a process to have the closing costs paid on the behalf of the home buyer. The Nurses Home Loan Program options can build a better home purchase plan that makes it possible for you to purchase a new home with less of your own money at the time of closing and lower payments through the mortgage term.

Take the Nurses Exam for a quick and easy pre-qualification or continue reading to learn of the benefits the Nurses Home Loan Program will provide to you.



Benefits of the Missouri  Nurses Home Loan Program  

Simply stated, the Nurses Home Loan Program saves you money through better options:

  • Discounted interest rates (option available)
  • Skip Your First 3 House Payments (option available)
  • Down Payment Assistance Programs (options available)
  • Grant and Concession Programs to assist with your closing costs (options available)
  • No Upfront fees at time of application
  • No rate lock fee
  • Flexible underwriting (580 credit score options available)
  • Low Down Payment Mortgage Options (starting at zero down payment)
  • Credit Rescue Program (30 day plan to improve credit scores)

    Missouri Nurses Home Loan Program Guidelines
  •         Purchase or refinance
  •         NOT limited to first time buyers
  •         Conventional, FHA, VA, and USDA Loan Programs
  •         No income limit*
  •         Credit scores as low as 580 depending on program, 620 or higher is recommended
  •         Down payment options as low as 0 – 3.5% with a new 3% down option
  •         15 or 30 year fixed loan terms available as well as Adjustable Rate Mortgage options
* Income limits and additional guidelines may apply if combining with down payment assistance, HomeReady or HomePossible program.

Who Is Eligible
  • Nurses
  • Physical Therpists
  • Medical Assistants
  • Medical Staff
  • Specialists
  • Orthodontists
  • Endoscopy / Radiology Techs
  • Lab Techs
  • Chiropractors
  • Dentists
  • Veterinarians
  • Hospital Employees 
  • Pharmacist 

Property Types

Eligible Properties

·         1-4 Single family residence (SFR)

·         Detached PUD / Condo’s

·         Primary Residence

Ineligible Property Types

·         Manufactured homes (occasional exceptions possible)

·         Log homes or condotels

·         Investment properties

Because Nurses Matter!
Nurses Deserve Recognition and Benefit for Their Work!