Home Ownership Program

Father and daughter outside their home smiling

The Home Ownership Program provides affordable purchase financing options to put home ownership within reach. The program is designed for eligible borrowers and/or properties:

Eligible borrowers1

Borrowers must be at or below 80% of the area median income

Eligible properties2

One-unit, single-family, owner-occupied primary residence

Home Ownership Program Benefits

The dream of owning a home can become a reality. These features combined with S&T’s dedicated mortgage bankers, make home ownership accessible and more affordable than you may think.

  • Fixed interest rate

  • Up to 97% loan-to-value

  • Discounted document preparation fees

  • No mortgage insurance requirement

  • Up to $5,0003 toward closing costs for eligible borrowers

  • Minimum borrower contribution is $500

  • Fannie Mae Homebuyer course required for first-time homebuyers

Christian Blackwell, CRA Specialist

4341 Ridge Ave, Philadelphia, PA  19129


NMLS ID 1154015

Reach out to Christian for more information.


Christian Blackwell CRA Mortgage Banker photo
David McGowan CRA Mortgage Banker photo

David McGowan, CRA Specialist

12262 Frankstown Road, Pittsburgh, PA  15235


NMLS ID 1912349

Reach out to David for more information.

Eric Harris, CRA Specialist

4385 Old William Penn Hwy, Monroeville, PA 15146


NMLS ID 24450

Reach out to Eric for more information.

1Eligible borrowers must have an income at or below 80% of the area median income designated by Fannie Mae. They must also meet eligibility requirements including, but not limited to, being owner-occupants.

2Eligible properties must be located in a low or moderate census tract within S&T Bank’s assessment area. If located in this area, no income limitations apply.

3The funds will be provided as a lender credit. Program funds can only be used for nonrecurring closing costs including title insurance and recording fees. The funds cannot be applied toward down payment, prepaid items or recurring costs, such as property taxes and insurance. Borrowers cannot receive program funds as cash back. The funds may be considered taxable income and a 1099-MISC may be issued, consult with your tax advisor.

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

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