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Our Mission

The Washington State Housing Finance Commission is a publicly accountable, self-supporting team, dedicated to increasing housing access and affordability and to expanding the availability of quality community services for the people of Washington.

Our Vision

The Homeownership Division of the Commission is committed to educating and assisting families with all areas of homeownership by providing services such as downpayment assistance, homebuyer education, and mortgage assistance.

Ready to buy a home?  Contact a Commission-trained loan officer to start the process.
Not quite ready?  Contact one of our housing counselors to assess your financial readiness and get you on a path to homeownership.

Top Loan Officers Statewide

Top Loan Officers by County

Participating Lending Companies

These Participating Lenders have a proven track record of closing and originating Commission loans, with a minimum of five closed loans in the most recent 12 months. Not all loan officers in these companies are trained and approved to originate our loans, so be sure to ask! Or, see below for our top-producing loan officers statewide and by region!

 

1st Security Bank of Washington

All Western Mortgage, Inc

American Pacific Mortgage

Banner Bank

Canopy Mortgage, LLC

Cardinal Financial Company, LP

Churchill Mortgage Corporation

CMG Mortgage, Inc

Columbia Bank

Cornerstone First Mortgage, Inc

Cornerstone Home Lending, Inc

CrossCountry Mortgage, LLC

DAS Acquisition Co., LLC

DHI Mortgage

Directors Mortgage, Inc

Envoy Mortgage, Ltd

Evergreen Moneysource

Fairway Independent Mortgage

Generations Home Loans

Geneva Financial, LLC

Glacier Bank

Gold Star Mortgage Financial Group, Corp

Guaranteed Rate

Guild Mortgage Company, LLC

Highlands Residential Mortgage, Ltd

HomeSight

Land Home Financial Services, Inc

LeaderOne Financial Corporation

Lennar Mortgage, LLC

loanDepot.com, LLC

Luminate Bank

Mason McDuffie Mortgage Corporation

Mechanics Bank

MLD Mortgage, Inc

Mortgage Express, LLC

Movement Mortgage

Mutual of Omaha Mortgage, Inc

New American Funding

New Rez LLC

NFM Lending, Inc

Northpointe Bank

NOVA Financial & Investment Corporation

Numerica Credit Union

OriginPoint, LLC

Paramount Residential Mortgage Group, Inc

Plains Commerce Bank

Portage Bank

Premier Lending, Inc

Premier Mortgage Resources

Primary Residential Mortgage, Inc

Prime Lending

Priority Home Lending

Prosperity Home Mortgage, LLC

Residential Mortgage, LLC

Right Start Mortgage, Inc

SecurityNational Mortgage

Summit Mortgage

Sunflower Bank, N.A

Synergy One Lending, Inc

T2 Financial LLC

US Bank

Union Home Mortgage Corp.

VIP Mortgage, Inc

Washington State Employees Credit Union

Washington Trust

Verify a mortgage company or individual: www.nmlsconsumeraccess.org

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

How are these featured lenders chosen?

Our Top-Producing Loan Officers for 2025 – Statewide

 

Jessica Talton – Movement Mortgage

Jessica Talton I truly believe in the power of accessible homeownership, which is why I partner with programs like the Commission’s 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. 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

Ethan Wilson – Cornerstone First Mortgage

Ethan Wilson 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 18 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 Ethan at 408-449-9703 or Ethanw@futurefirstmtg.com. MLO #156741

Trevor Roberge – Capstone Home Loans

There’s nothing more rewarding than helping first-time homebuyers achieve homeownership when they once thought it was out of reach. Partnering with the Commission allows Trevor to offer practical financing solutions while empowering clients with the knowledge and confidence they need throughout the homebuying process. Buying a home is more than just a transaction. It is the beginning of a path toward long-term stability and wealth-building. With 23 years in the finance industry, Trevor brings a broad range of experience, from personalized mortgage guidance to banking expertise. He is passionate about helping first-time homebuyers, move-up buyers, military veterans, and investors navigate the process and turn their homeownership goals into reality. Contact Trevor at 425-765-6605 or trevor@capstonehomeloans.com MLO #71646

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

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

Kerwin Lyon – Guild Mortgage

One of the most common questions I hear from first time buyers is, “How much money do I really need saved for a down payment and closing costs?” It’s a fair question and often a question that discourages qualified homebuyers from buying a home. The Commission’s down payment assistance programs are great tools my team uses to combat common misconceptions around upfront costs when purchasing a home. By helping people understand how The Commission’s programs work, I’m often able to show them a realistic path to homeownership sooner than expected while keeping their out-of-pocket costs lower than they first thought. I’ve been in the mortgage industry for over 25 years, and what I continue to enjoy most is helping people take that first step towards homeownership with confidence. My role is to listen to your goals, explain your financing options clearly, and help you understand what’s required and what isn’t. I’m fortunate to work alongside a diverse, down-to-earth team that shares the same commitment I do making the home buying process feel approachable and well-supported from start to finish. Please call or text me at 425-652-3333 or email teamlyon@guildmortgage.net. MLO #275494

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

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 10 yrs 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

Mark Carroll – CMG Home Loans

I value the Commission’s homebuyer programs because they provide meaningful tools that help more buyers achieve homeownership. Programs that offer down payment assistance can make a huge difference for buyers who are ready to own a home but need help bridging the gap upfront. Having access to these resources allows me to serve a wider range of clients through the process, giving them the knowledge, confidence, and support they need & deserve from a true mortgage professional to move forward with purchasing a home. Mark has been in the mortgage industry for over 22 yrs. In his former life, Mark played professional baseball in the Seattle Mariners organization for over 7 years. Once retiring from baseball, he immediately began helping others achieve their dreams of homeownership by getting his start in home lending. From the start of Mark’s career, he realized the importance of doing what is right and vowed to always being upfront and honest with his customers. He believes in following through on what he says he will do, listening to needs, and educating buyers on their options. Contact Mark at 509-420-0236 or mcarroll@cmghomeloans.com. MLO # 403920

Chad Crithfield – Prime Lending

I’ve had the honor assisting homebuyers for the past 31 years. The Washington State Housing Finance Commission programs are a great match for first-time homebuyers with affordable programs and down payment assistance options. These have allowed me to help many individuals and families achieve their dream of homeownership. You can expect to be educated on the homebuying process from start to finish. I am a Loan Originator here in Tri-Cities, WA. I play soccer in my free time and spend quality time with my family as much as possible. I am dedicated to my career and family. 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

Top Loan Officers by County

Listed are the top five in each region with a minimum of two WSHFC loans in the last quarter, October – December 2025.*

Jump to County:   Benton | Chelan |  Clark | Clallam | Cowlitz | Grant |   King | Kitsap | Kittitas | Lewis |
Okanogan | Pierce | Skagit |  Snohomish | Spokane | Thurston | Walla Walla | Whatcom | Yakima

Benton County

Chelan County

Clallam County

Clark County

Cowlitz County

Grant County

King County

Kitsap County

Kittitas County

Lewis County

Okanogan County

Pierce County

Skagit County

Snohomish County

Spokane County

Thurston County

Walla Walla County

Whatcom County

Yakima County

* number of WSHFC Loans in the last quarter

How are these featured lenders chosen?

This page highlights the loan officers with the most closed and purchased WSHFC loans. The regional lists are updated each quarter to show the top five loan closers in that area. The minimum is two loans; if there’s a tie for fifth place, more than five are listed. The statewide list is updated only once a year, with the top 10 loan closers across the state in the previous year.

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