Mortgage Calculator

Powered by Amortization Mortgage Calculator


Get to Know the JP Homeownership Team

From left to right: Karen Drayton-Fowlkes, Fredrica Graham, Sheri Lynn Breeland, Kristin Schell, Samara Williams, and Chonda DeBoise. Not pictured: Jerry Hoffee amd Deborah McClellan. 

Visit Get to Know Us for more information about Justine PETERSEN and the staff. 

First-time Home Buyers

You can achieve the dream!

Since 1997, Justine PETERSEN has assisted over 4,000 families to purchase homes in the St. Louis area. Most of our clients are first generation home buyers. We focus on assisting our clients to overcome credit and other barriers to accessing the best possible loan product.

We also assist the client to find a property that is in good condition, negotiate with the seller and meet all of the requirements necessary to finalize the home purchase with the lender.

Clients can purchase a home for as little as $1,000 out of their pocket! The first step is to contact us for a loan counseling.

Homebuyer Education

Justine PETERSEN offers an 8 hour home buyer education curriculum that meets the requirements of the Neighborhood Stabilization Program and many other grant programs. All participants will be given a certificate of completion at the end of the second class provided that the required hours of attendance are met.


Justine PETERSEN offers individual home buyer education that meets the requirements of Madison County Community Development's Down payment and Closing Cost Assistance Program, USDA Single-Family Rural Housing Program, and many Madison County municipalities. The cost of the class is $250.00 and payment is deferred until home purchase.

Appointments are available on Thursday evenings at Justine PETERSEN's Granite City office which is located at 1324 Niedringhaus Ave., Granite City, IL 62040. To schedule an appointment, call Fredrica Graham at (618) 501-1555. Certificates of completion are sent via fax to the granting agency the day after class attendance