Pathway Home Mortage Program

Let us help you make your dream of owning a home a reality!

We know that ‘home’ means so much more than just where you live. If you’ve been thinking about buying a new house or refinancing, Quad City Bank & Trust wants to make your dream home a reality with our specialized Pathway Home Mortage Program.

Designed specifically for our neighbors like you, this program offers as low as a 3% minimum down payment as well as waived mortgage insurance (PMI) and refinancing opportunities. Plus, if your total household income per year is less than $70,700¹ and your credit score is above 620², you may be eligible for a grant to help with down payment and/or closing costs when you buy a new home.

To learn more or to find out if you qualify, please fill out the information below and a Mortgage Loan Officer will reach out to you directly.

Pathway Home Mortgage Program Request

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Home must be located in Scott or Rock Island County. ¹Total application income not to exceed 80% of the Median Family Income (currently $70,700 as of 12/17/2024 or home must be located in a Low to Moderate Income census tract. Minimum of $1,000.00 of closing costs / down payment must be applicant’s own money. Homebuyer Education class required for first-time home buyers. Quad City Bank & Trust and Federal Home Loan Bank offer grants on a first come-first served basis. ²Minimum credit score of 620 to qualify. The program described is for an owner occupied purchase. All loans subject to credit approval.