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Home Advantage

Home Advantage

One income limit. Many options.

Home Advantage serves households earning up to $180,000, anywhere in the state — regardless of family size or home purchase price — and downpayment assistance is always available

Do I Qualify for a Home Advantage Loan?

 

Income under $180,000 (anywhere in the state)

No need to be a first-time homebuyer

1. Attend a Free Homebuyer Class!

It will provide you with the steps to buying your first home. You will receive a certificate upon completion of the class, valid for two years. This will be a requirement of your loan process.
Homebuyer Education Class

2. Contact a Commission-Trained Loan Officer.

They can find the right loan type that will work with our programs to see if you qualify. They also know the income limits we require. 
New Lender Page

3. Once you know how much you qualify for, it is time to look for a home.

Your lender and real estate professional will work with you to locate and finance a home.
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Additional Help with Homeownership

Washington Homeownership Information Hotline

Washington State Dept. of Financial Institutions protects Washington homeowners and buyers.  Free state-sponsored counseling is available to Washington residents who are facing foreclosure, thinking of buying a home or considering refinancing.  To speak with a counselor, call the Washington Homeownership Information Hotline at 1.877.894.HOME (1.877.894.4663).

Home Advantage First Mortgage Loan
Do you qualify?

If you’ve attended and obtained a certificate from a Commission-sponsored homebuyer education class within the last two years;
If you meet the program income limits listed below; and…
If you meet with a Commission trained loan officer and determine that you qualify for a mortgage loan according to FHA, VA, Conventional, Rural Housing Services (RHS),
Then… you may qualify!

Home Advantage Program Participating Lenders

These Participating Lenders have a proven track record of originating and closing Home Advantage loans.
See Premier Participating Loan Officers.

1st Security Bank of Washington

American Pacific Mortgage

Axia Home Loans

Banner Bank

Bay Equity LLC

Canopy Mortgage

Cardinal Financial

Churchill Mortgage

CMG Mortgage

Community First Mortgage

Cornerstone Home Lending

CrossCountry Mortgage

DAS Acquisition

DHI Mortgage

Diamond Residential Mortgage

Directors Mortgage

Envoy Mortgage

Everett Financial

Evergreen Home Loans

Fairway Independent Mortgage

Guaranteed Rate

Global Federal Credit Union

Guild Mortgage

Highlands Residential Mortgage

HomeBridge Financial Services

HomeSight

HomeStreet Bank

International City Mortgage

Ixonia Bank

LeaderOne Financial

LoanDepot

Lower LLC

Luminate Home Loans

Mann Mortgage

Movement Mortgage

Mutual of Omaha Mortgage

New American Funding

NewRez

NFM Lending

Northpointe Bank

Nova Financial

On Q Financial

Paramount Residential Mortgage Group

Premier Lending

Premier Mortgage Resources

Primary Residential Mortgage

Prime Lending

Priority Home Lending

Revolution Mortgage

Summit Funding

Summit Mortgage

Sunflower Bank

Synergy One Lending

T2 Financial

The Money Store

Umpqua Bank

US Bank

Wallick & Volk

Wheatland Bank

Willamette Valley Bank

Become a Participating Lender

The Commission welcomes new participating lenders into our programs. 
Please contact Corinna Obar at corinna.obar@wshfc.org or 206-287-4414.

Income Limits

Borrowers must not exceed the Maximum Annual Income Limit:  Statewide $180,000

When are These Funds Available?

Always! Funds for the Home Advantage program are continuously available and are subject to market rates and conditions. If you have questions about the Home Advantage Program, please call us at 800.767.4663 or email info@heretohome.org or Corinna.Obar@wshfc.org.

When Can My Loan Officer Lock my Rate?
Your loan officer can lock your rate after you have a fully executed purchase and sale agreement and after you have taken a Commission sponsored homebuyer education class.  Please check with your lender regarding locking your loan as loans must be delivered prior to lock expiration and each lending institution will have their own internal guidelines.  If a reservation of funds is made before you take a Commission sponsored homebuyer education seminar, the current reservation will be considered invalid and will be subject to worst case pricing. No exceptions. 

Given the fluidity in the markets we may not be able to offer some rate options every day.

Please check the effective date and time on the rate sheet, use Google Chrome, and be sure to refresh your browser as well as clear your cache.

Click here for today's rates
NOTICE: Rates subject to change without notice. WSHFC staff will make every reasonable effort to post daily rates by 9:00am Monday – Friday PST. Rates posted after 4:00pm PST, over holidays, and weekends are sample rates from the previous business day and are not to be relied upon for reservations. Homebuyers interested in applying for financing should contact one of the Commission’s Participating Lenders. The Commission does not lend money directly to consumers. Participating Lenders pre-qualify consumers and originate all mortgage loans. This is not an advertisement for credit as defined in Regulation Z. Contact a Commission Participating Lender for Annual Percentage Rate (APR). This is not a commitment to lend.  Further fees may apply. Contact your participating loan officer for more information. Interest rate buydowns are prohibited. Visit heretohome.org for more information.

Click here to see Historical Home Advantage Rates.

Homebuyer Education Classes

Find Class by Date and Location

Our Premier Lender Partners

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
Jessica Talton – Movement Mortgage – Kent
I truly believe in the power of accessible homeownership,...
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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...
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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
Bryan LaFlamme – Movement Mortgage – Tacoma
Commission programs help families who thought homeownership would always be...
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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...
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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...
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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

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

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

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