HomeChoiceHomeChoice Downpayment Assistance Loan Program

HomeChoice is a downpayment assistance, second mortgage loan program for qualified borrowers who have a disability or who have a family member with a disability living with them. Funds up to $15,000. HomeChoice combines with House Key and Home Advantage first mortgage loan programs. One-on-one counseling is required.

Disclaimer: The Commission does not endorse a person, business practice, product or service other than those of the Commission.


The first step is to meet with HomeChoice Lender in your area that has been trained on the HomeChoice program. The HomeChoice Lender will determine if you are eligible for the HomeChoice second mortgage program and will then refer you to a free Homebuyer Education Seminar and a HomeChoice trained Service Provider.  For additional trained lenders or service providers, please email or call 206-464-7139 or 800-767-4663.


The HomeChoice Second Mortgage program is a Downpayment Assistance Program for low- to-moderate income people with a disability or who have a family member with a disability living with them and qualify for Home Advantage first mortgage loan program. A 1.00% interest rate on the Downpayment Assistance loan program for first-time homebuyers (borrowers who haven't owned and occupied their primary residence in the past three years).  If you buy in a targeted area you do not have to be a first-time homebuyer. 


King/Snohomish $134,600

All Other Counties $105,300

* Other requirements may apply. Please check with your lender or service provider to verify the limits. HomeChoice borrowers also must complete a Commission-sponsored homebuyer education seminar prior to reservation of funds.


The Program offers up to $15,000 per household in a 1.00% interest, payment deferred second mortgage. Second mortgages are due when home is sold, or if home is refinanced or after 30 years.



American Financial Solutions, 888-864-8699,

Parkview Services, Loretta Cael at 509.861.3330

Asotin County

Valley Residential Services, Nancy Riggle, 509-522-0400

Clark & Skamania Counties

Community Housing Resource Center, 360-690-4496 x100

Ferry County

Rural Resources Community Action, Jan Owens, 509-685-6179,

King County

HomeSight, Staff member, 206-723-4355,
Parkview Services, Loretta Cael at 509.861.3330
Urban League of Metropolitan Seattle, 800-368-1455

Pend Oreille County

Rural Resources Community Action, Jan Owens, 509-685-6179, 

San Juan County

Opal Community Land Trust, Julie Brunner, 360-376-3191,

Snohomish County

Homestead Community Land Trust, Staff member, 206-323-1227, 
Parkview Services, Loretta Cael at 509.861.3330

Spokane County

Spokane Neighborhood Action Partners, 509-319-3041

Stevens County

Rural Resources Community Action, Jan Owens, 509-685-6179,

Walla Walla County

Valley Residential Services, Nancy Riggle, 509-522-0400

Whatcom, Skagit & Island Counties

Kulshan Community Land Trust, Staff member, 360-671-5600, x1,

Other Counties

If there is no Service Provider located in your area, please refer to a service provider in a neighboring county or email


If you have questions about the HomeChoice Downpayment Assistance Loan Program, please contact Dietrich Schmitz at 206-287-4459 or toll free at 800-767-4663, Ext. 459, or by e-mail


Home | About | CareersCommissioners | Contact UsEventsMy View Newsletter | Publications | Homeownership: Homebuyer Programs | Information for Lenders | Information for Real Estate Professionals | Information for Instructors | Multifamily Housing: 9% Housing Credit | Bond/Tax Credit | 80/20 Bonds | 501(c)(3) Housing BondsSpecial Programs: Energy | Farmer/Rancher | Nonprofit FacilitiesLand Acquisition Program | Property Managers: Asset Management and Compliance Information for Investors: Official Statements, Annual Reports, Interim Information |  Privacy Notice | Requests for Public Records
Washington State Housing Finance Commission 
1000 2nd Avenue, Suite 2700, Seattle, Washington 98104 | Phone: 206-464-7139 or 800-767-4663 | Fax: 206-587-5113 | Contact Us
©1998-2018 All Rights Reserved