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Washington State Housing Finance Commission
Homeownership Programs

Every year, our home loans and downpayment assistance programs enable thousands of Washington families to become homeowners.

Welcome to our homeownership website!

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Programs 

Offering homebuyers the tools they need

Downpayment Assistance

Every one of our loans includes downpayment assistance. Find out more.

Home Loan Programs

Home Advantage and House Key Opportunity provide many options -- all with downpayment assistance.

Homebuyer Classes

Start your journey today with a FREE homebuyer class.

Housing Counseling

Experienced housing counselors can help you with both pre-and post-purchase financial health.

Energy Spark Program

Energy Spark Loans can provide a interest rate reduction when buying an energy-efficient home.

Our Premier Lenders

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

Jessica Talton – Movement Mortgage – Kent
I truly believe in the power of accessible homeownership, which is...
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Jessica Talton
Movement Mortgage
I truly believe in the power of accessible homeownership, which is why I partner with programs like WSHFC that focus on supporting underserved communities. I take my role as a trusted advisor seriously, and I find immense joy in guiding clients through this transformative process. If you are looking for a lender that holds your hand and makes the process easy, Team Talton is who you want by your side. Let’s work together to make your homeownership dreams a reality! As a proud South Seattle native, my journey to helping others achieve their dream of homeownership is personal. Growing up, I witnessed my mother utilize down payment assistance programs to secure our family home, igniting my passion for serving our community. As a top 1% originator in the country, I’m dedicated to providing first-time homebuyers with a variety of options and empowering them on their path to homeownership. When I’m not serving my community, you can find me being a Mom to 3 beautiful children and a wife to my awesome husband. Contact Jessica at (206) 551-4058 or Jessica.Talton@movement.com. MLO #1045355
Jessica Talton – Movement Mortgage – Kent
Jessica Talton
Movement Mortgage
Ethan Wilson – Cornerstone First Mortgage – Fife
We love working with the Commission’s down payment assistance programs because they...
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Ethan Wilson
Cornerstone First Mortgage
We love working with the Commission’s down payment assistance programs because they provide flexible, affordable solutions for buyers who may not have the upfront funds for a large down payment. These programs open doors for first-time homebuyers, and families looking to build stability without exhausting their savings. By leveraging these resources, we empower our clients to secure competitive financing while keeping more money in their pockets. With over 17 years of experience in the mortgage industry, we take a relationship-based approach to lending, prioritizing long-term connections over one-time transactions. Homeownership should be accessible to everyone, and down payment assistance programs offered by the Commission are an excellent way to overcome financial barriers and achieve their dreams. A significant portion of our business comes from referrals by satisfied homeowners and trusted industry partners, reflecting our dedication to exceptional service. We take the time to listen, understand individual needs, and craft customized solutions. Our goal isn’t just to close loans, but to build lasting relationships with our clients. Contact Mark at 509-420-0236 or Ethanw@futurefirstmtg.com. MLO #156741
Ethan Wilson – Cornerstone First Mortgage – Fife
Ethan Wilson
Cornerstone First Mortgage
Trevor Roberge - Capstone Home Loans - Lynnwood
There's nothing more rewarding than helping a first-time homebuyer accomplish their goal...
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Trevor Roberge
Capstone Home Loans
There's nothing more rewarding than helping a first-time homebuyer accomplish their goal of home ownership when they thought it wasn't possible. Partnering with the Commission gives Trevor the ability to provide practical options to his clients, and the ability to empower them with knowledge and confidence through the purchase process. Not only do buyers get to purchase a home, they get to begin their journey of wealth-building for their future. With 19 years in the finance industry, Trevor provides expertise in many ways, from mortgage consulting to personal banking. Trevor provides solutions for first-time home buyers, military veterans, and anyone else looking to accomplish the dream of homeownership. Contact Trevor at 425-765-6605 or teamtrevor@capstonehomeloans.com. MLO #71646
Trevor Roberge - Capstone Home Loans - Lynnwood
Trevor Roberge
Capstone Home Loans
Bryan LaFlamme – Movement Mortgage – Tacoma
Commission programs help families who thought homeownership would always be out of...
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Bryan LaFlamme
Movement Mortgage
Commission programs help families who thought homeownership would always be out of reach. There is absolutely nothing like telling someone, who never thought it was going to be possible, that THEY are going to have a home all their own! It’s what gets me out of bed in the morning, and the Commission’s programs are THE integral part in making that happen for so many people. I love pulling back the curtain and showing people how close they actually are to realizing their dream. As a father to three and a 10yr Army Veteran, I know what it means to serve. That is exactly what my team is here to do: Serve our community through homeownership. Contact Bryan at 253-214-7602 or thelaflammegroup@movement.com MLO #396723
Bryan LaFlamme – Movement Mortgage – Tacoma
Bryan LaFlamme
Movement Mortgage
Jose Zuniga – CMG Home Loans
I use the Commission’s programs because the Commission helps reduce the costs...
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Jose Zuniga
CMG Home Loans
I use the Commission’s programs because the Commission helps reduce the costs and obstacles often involved in home financing process. Oftentimes, the greatest hurdle a buyer can face is coming up with the down payment. The Commission provides various solutions to this problem with the amount of down payment assistance programs they offer, making homeownership more accessible for those who DREAM of owning their home. With many years in the mortgage industry, I’ve helped hundreds of families finance their first home. As a loan officer, I understand how impactful this process is and how important it is to have the right person guiding you. I take that responsibility seriously and strive to help everyone equally. I’m an avid hiker and landscape photographer with a degree in Biology. Prior to lending, I pursued a career in medicine. Now I wear a different cap, helping others realize their dream of homeownership. Contact Jose at (509) 305-3259 or jzuniga@cmghomeloans.com MLO #1211137
Jose Zuniga – CMG Home Loans
Jose Zuniga
CMG Home Loans
Kerwin Lyon – Guild Mortgage - Seattle
The Commission’s down payment assistance programs are a great tool to maximize...
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Kerwin Lyon
Guild Mortgage
The Commission’s down payment assistance programs are a great tool to maximize financing options for first time home buyers. One of the recurring questions my clients ask is "How much money for a down payment and closing costs do I need to have saved up?" Knowing that there are ways to overcome a large down payment that some loan programs require, I can assist home buyers achieve their goals of home ownership earlier than they would have expected. I have been in the mortgage industry for over 20 years and have enjoyed giving people the opportunity to check off "Washington Home Owner" from their bucket list every year. I am fortunate to have a diverse, down-to-earth team and together, we not only strive for but are committed to providing a smooth home buying experience. Feel free to contact me at 425-652-3333 or teamlyon@guildmortgage.net
Kerwin Lyon – Guild Mortgage - Seattle
Kerwin Lyon
Guild Mortgage
Estrella Sanchez – CMG Home Loans
I use Commission’s programs because they create opportunities that many buyers don’t...
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Estrella Sanchez
CMG Home Loans
I use Commission’s programs because they create opportunities that many buyers don’t realize exist and open doors that might otherwise feel out of reach. Many hardworking families simply need the right guidance and resources to make homeownership possible. Using programs that benefit my clients allows me to create real opportunities for them to build stability, wealth, and a future for their families. At the end of the day, my job isn’t just about closing loans — it’s about helping people change their lives through homeownership. I was born and raised in Yakima, Washington, and watching my parents sacrifice everything for us shaped my work ethic and purpose. Today, I’m driven to help families achieve homeownership while building a legacy for my children while honoring my parents. What sets me apart is the heart I bring to every client experience. I believe every family deserves to feel educated, supported, and celebrated throughout their homeownership journey. I’m fully committed to helping families access opportunities. Contact Star at (509) 367-4113, esanchez@cmghomeloans.com. MLO #2133039
Estrella Sanchez – CMG Home Loans
Estrella Sanchez
CMG Home Loans
Edwin Esquivel – CMG Home Loans – Yakima
There is nothing more rewarding than educating our borrowers on how Commission...
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Edwin Esquivel
CMG Home Loans
There is nothing more rewarding than educating our borrowers on how Commission programs can help them save most/or all their down payment. For many homebuyers, saving for a substantial down payment can be a major obstacle. These programs make homeownership more attainable, allowing them to achieve the dream of owning a home sooner. With nearly 9 years of experience as a Loan Officer, I am passionate about educating and guiding both first-time & returning homebuyers throughout the mortgage process. I prioritize building strong relationships with borrowers to understand their unique financial situations and help them make informed decisions that align with their long-term goals. Contact Edwin at (509) 480-9654, Eesquivel@cmghomeloans.com. MLO #1074211
Edwin Esquivel – CMG Home Loans – Yakima
Edwin Esquivel
CMG Home Loans
Mark Carroll - CMG Home Loans - Kennewick
First-time homebuyers face an intimidating process when buying a new home....
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Mark Carroll
CMG Home Loans
First-time homebuyers face an intimidating process when buying a new home. Mark specializes in working with first-time home buyers, as he truly enjoys explaining the process, educating, & counseling buyers to assure they have solid guidance & gain confidence that their purchase will meet their financial and family goals. Commission programs give buyers the opportunity to own a home by removing a main obstacle that some face, which fosters wealth creation through homeownership. Mark has been in the mortgage industry for 20 years. Contact Mark at 509-420-0236 or mcarroll@cmghomeloans.com. MLO # 403920
Mark Carroll - CMG Home Loans - Kennewick
Mark Carroll
CMG Home Loans
Chad Crithfield – Prime Lending – Richland
I have had the honor to assist homebuyers in the Tri -Cities...
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Chad Crithfield
Prime Lending
I have had the honor to assist homebuyers in the Tri -Cities community for the past 30 years. The Washington State Housing Finance Commission programs are a great match for first-time homebuyers with affordable programs and down payment assistance options. This program has allowed me to help many individuals and their families achieve their dream of homeownership. My clients can expect to be educated on the homebuying process from start to finish. My team and I look forward to assisting you with your home purchase. If you have any questions or need any information. Please contact me on my cell phone at 509-539-8043 or email chad.crithfield@primelending.com. MLO #405719
Chad Crithfield – Prime Lending – Richland
Chad Crithfield
Prime Lending