First Time Homebuyer Programs

Washington State Housing Finance Commission's House Key Loan

A below-market interest rate first mortgage loan program that helps first time homebuyers purchase a home.  A first time homebuyer is defined as someone who has not owned AND occupied a primary residence at any time in the past three years.  Borrowers must meet the program income and acquisition cost limit, attend and complete a Commission certified homebuyer education seminar.  This loan program can be used with FHA, VA, Conventional and Rural Housing Services loan programs.

House Key Teacher

A conventional House Key first mortgage loan program for classroom teachers or administrators in the K-12 levels, including principals, vice principals, librarians or health care professionals in the schools such as counselors or nurses.

Home Choice

Home Choice is a home ownership program for people with disabilities or who have a family member with disability living with them.  This program offers up to $15,000 in down payment assistance.  One-on-one housing counseling will be required.

House Key Plus

A down payment assistance program that provides funds for closing costs, pre-paids, and down payment, up to $5,000 based upon need.

House Key Rural

A down payment assistance program for borrowers, living in rural communities, who earn 80% or less of their county's area median income based on family size, down payment assistance up to $4,850.

Rural Guaranteed Housing Loans

Loans may be up to 100% of market value.  Loans may include closing costs.

USDA Rural Housing Loans

Federal Government funds to finance homes purchased in small towns for low and very low income borrowers.

For more information please call

 (509) 422-4041 or toll free 1-877-641-0101

Serving Okanogan County and the city of Bridgeport in Douglas County