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Group of first responders, including police officers, firefighter, and paramedic

First Responder Home Loan Program

100% Financing for Qualified First Responders

We’re proud to support the people who protect and serve our communities every day. This first responder home loan program is designed to help eligible borrowers move forward in their home buying journey by reducing the barrier of down payment requirements. 

Whether you’re a first-time homebuyer or purchasing your next home, our team can help you find the right mortgage loan for your situation.

First Responder Home Loan Program Details

This loan program was created to recognize and support the service first responders provide to our communities. The program includes: 

  • No down payment required
  • No borrower-paid mortgage insurance (MI)
  • Competitive interest rates with a 5/6 Adjustable-Rate Mortgage (ARM)
  • Purchase loans only
  • Primary residence (owner-occupied homes)

Who is Eligible for this First Responder Home Loan

This program is built for the heroes who serve our communities every day, including:

  • Police officers and other law enforcement professionals
  • Firefighters
  • Paramedics and Emergency Medical Technicians (EMTs)
  • 911 Dispatchers

If you serve in one of these roles, our team can help determine if this mortgage loan is the right fit.

Where this Loan Program is Available

Properties must be located in:

  • Missouri
  • Kansas
  • Illinois (within the St. Louis Metropolitan Statistical Area)

What to Know Before You Apply

As you explore your home buying options, it’s important to understand a few key details:

  • Monthly payments must be automatically debited (ACH) from a First State Bank account
  • This program is designed for qualified borrowers with a minimum credit score of 720 and is subject to credit approval
  • While this home loan program does not require the borrower to pay monthly mortgage insurance,
    other costs—such as closing costs—will still apply

If you’re a first responder ready to take the next step toward homeownership, we’re here to help you navigate the process with confidence—from application to closing.  

 

Start Your Home Buying Journey

Disclosures

First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.