Homeownership Programs

Programs that help first-time, low- and moderate-income homebuyers

House Key State Bond Programs

House Key Program
Fixed interest for 30 years:
5.00% (2 points), 5.25% (1 point), 5.50% (0 points)
 
A New Home For You Pilot Program 
Never occupied new construction. 680+ credit score required.
Fixed interest for 30 years:
4.75% (2 points), 5.00% (1 point), 5.25% (0 points) 
 
Heatwave Pilot Program
680+ credit score required. Fixed interest for 30 years:  
4.00% (2 points), 4.25% (1 point), 4.50% (0 points)
Commission downpayment assistance programs are not available with this option.

Mortgage Credit Certificate Program (MCCs)
MCCs are not mortgages. They are a tax credit. 
The Commission’s House Key State Bond Program is not available for use with the MCC Program.

  
Steps to Getting Started

      1.  Attend a Free Homebuyer Education Seminar
      2.  Contact a Commission-Trained Loan Officer
      3.  Know what you qualify for and look for a home

 Highlights

• Partnership to Help Veterans
• Washington Agricultural Families Assistance Receives Recognition 
• Information Regarding the $8,000 First-Time Homebuyer Tax Credit

 More Resources

• Washington Homeownership Center An unbiased, community-sponsored, nonprofit
  
• Washington State Department of Financial Institutions Protects Washington homeowners and buyers. 

* This is not an advertisement for credit as defined in Regulation Z; contact a WSHFC House Key Participating Lender for Annual Percentage Rate ("APR") information.