To show our gratitude to the front-line workers and first responders in our communities, CNB St. Louis Bank has developed a special mortgage loan program with first responders, teachers, and nurses in mind! You are the lifeblood of our community - selflessly putting yourself in harm's way to help others, so we think you deserve special treatment when it comes to purchasing a home.  Whether you are seeking a first-time home buyer program, down payment assistance, or a first responder discount, our program is designed to help you overcome some of the same barriers to home ownership these programs also address.

CNB's Front Line Mortgage Program Features Include:

  • No Down Payment or PMI Required!
    Up to 100% financing  with no Private Mortgage Insurance (PMI) requirement for qualified buyers - What is PMI? 
  • Competitive Interest Rates
    Adjustable rate mortgage product with a fixed rate for six (6) years.
  • Affordable Payments
    Multiple amortization lengths to help your monthly payment fit your budget. Compare payments for different terms and amortizations with our mortgage comparison calculator
  • No Pre-Payment Penalties
    Refinance or pay off your loan at any time
  • Purchase Your Next Dream Home!
    CNB's Front Line Mortgage Program is for purchase transactions only, no refinances. Property must be a single-family, owner-occupied residence located in St. Louis City, St. Louis County,  St. Charles County, or adjoining counties in Missouri and Illinois.
  • Offered Exclusively by CNB St. Louis Bank!
    This program is available beginning 11/1/2022. Terms and conditions are subject to change without notice.

Get a Special Rate Reduction for Banking with CNB!

Borrowers who set up automatic loan payments from a CNB St. Louis Bank checking account with a debit card attached are eligible for a .125% rate reduction

Who Is Eligible?

The Front Line Mortgage Program is available to qualified borrowers who have >1 year in one of the following professions:
  • Police Officers
  • Fire Fighters
  • Paramedics and EMTs
  • Nurses
  • Teachers

Learn More or Get Pre-Qualified Today!

Interested in our  Front Line Mortgage program?  Contact one of our Mortgage Lenders to learn more or use the button below to apply now and get pre-qualified. 

CNB St. Louis Bank is an Equal Housing Lender. This program is subject to credit approval. Must be 18 years or older, a U.S. Citizen or Permanent Resident Alien, and have a valid Social Security Number to apply.

Frequently Asked Questions:

What does it mean to be a "qualified borrower?"
CNB takes many factors into consideration when it comes to qualifying a borrower for a mortgage loan. These factors include, but are not limited to, income, debt ratio, credit score, property value, and property condition. Your CNB Mortgage Lender will take time to go through these factors with you and provide you with steps you can take to overcome any shortfalls.

What is the mortgage rate for the Front Line Mortgage Program?
Mortgage loan rates change frequently, so contact one of our mortgage lenders to find out our current mortgage rates.
What will my mortgage loan payment be?
There are many factors such as amount, rate, and amortization that impact the amount of your monthly mortgage payment. We encourage you to use our Adjustable Rate Mortgage Loan Calculator to help you understand how these variables impact your monthly payment. CNB St. Louis Bank has mortgage bankers who will help you determine the purchase price or monthly payment that will work best for your needs.  Contact a mortgage lender today for a complementary consultation!