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Make your dream of owning a home affordable!

Cubbank Beyondexpectations

YLB's Making Dreams Affordable Home Financing Program

Special financing is available by Citizens Union Bank in making your dream of owning a home affordable. YLB's Making Dreams Affordable loan program provides financing options for those borrowers who would not qualify for other traditional home financing programs.


  • No-down-payment loan
  • No Monthly Mortgage Insurance
  • Long Term Fixed Rates
  • Up to $175,000 loan amount
  • Income limits apply
  • Homebuyer education and counseling are required - Click the link below for details

CLICK HERE to view the webinar schedule details!


  • No minimum credit score required


  • CUB will finance up to $3,000 of the appraised value above the purchase price to include closing costs and prepaids
  • Other down-payment assistance programs are eligible if available


  • Owner-occupied single-family residence
  • Condo/PUDs (Planned Unit Development) are eligible
  • Manufactured homes are ineligible
  • Eligible for properties located in Shelby, Henry, Jefferson, Spencer, Anderson, Owen, Grant, Trimble, Carroll, Laure, Hardin, Franklin, Bullitt, Scott, Gallatin, Woodford, and Nelson.

Additional documentation will be required during the loan process. Loans are subject to credit approval and property appraisal. For more information regarding rates, fees, terms, conditions, and any restrictions, contact a Citizens Union Bank Loan officer. NMLS#756034