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.
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 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 |
Verify a mortgage company or individual:Â www.nmlsconsumeraccess.org
DISCLAIMER: The Commission does not endorse a person, business practice, product or service other than those of the Commission.
Our Top-Producing Loan Officers for 2024 – Statewide
Verify a mortgage company or individual:Â www.nmlsconsumeraccess.org
Trevor Roberge – Capstone Home Loans – Lynnwood
There’s nothing more rewarding than helping a first-time homebuyer accomplish their goal of home ownership when they thought it was out of reach. 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 20 years in the finance industry, Trevor provides expertise in many ways, from personalized 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
Jessica Talton – Movement Mortgage – Kent
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 downpayment 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 three beautiful children and a wife to my awesome husband. Contact Jessica at (206) 551-4058 or Jessica.Talton@movement.com. MLO #1045355
Bryan LaFlamme – Movement Mortgage – Tacoma
There is nothing more professionally fulfilling than walking alongside someone while they learn that homeownership is actually within their reach. I love pulling the curtain back and showing people how close they really are to attaining their dream of homeownership. There really is nothing like it. I am a husband to one, a father to six, and the lender to many! As a 10 year Army Veteran, I know what it takes to serve. That is exactly what my team and I are here to do; serve this community through homeownership. Contact Bryan at 253-214-7602 or thelaflammegroup@movement.com MLO #396723
Mark Carroll – CMG Home Loans – Kennewick
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
Jonas Rosenberg – Summit Funding – Kennewick
Jonas Rosenberg’s drive is to make sure every first-time homebuyer that he comes across is highly educated and armed with the knowledge to make an informed decision. Jonas loves the WSHFC first-time homebuyer programs for families who are looking to achieve the dream of homeownership and are looking for a trusted resource to get started. Jonas is a proud teacher of the Commission sponsored first-time homebuyer education classes in eastern Washington. If you are looking for a high-energy and passionate loan officer, please feel free to call Jonas Rosenberg any time at 509-851-3402 or email jonas.rosenberg@summitfunding.net. MLO #102317
Ethan Wilson – Cornerstone First Mortgage – Fife
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 Ethan at 408-449-9703 or Ethanw@futurefirstmtg.com. MLO #156741
Edwin Esquivel – CMG Home Loans – Yakima
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
Brooke Gibson – Washington Trust Bank – Belleuve
The Washington State Housing Finance Commission programs are a great match for first-time homebuyers with affordable programs and down payment assistance. As a South Seattle native my homebuying experience inspired me to help other first-time homebuyers. I am passionate about helping others gain a sense of security through homeownership and guiding them towards a path of generational wealth. I also helped many individuals and their families achieve their dream of homeownership. My clients can expect to be able to make confident and informed decisions as I educate and guide them through the homebuying process. I would love to see how I can assist you on your journey to homeownership. Contact Brooke at (425)-647-6044, bgibson@watrust.com. MLO #2024357
Carlos Ramos – Envoy Mortgage – Liberty Lake
I use the Commission’s programs because the majority of the time, it is the program that makes the most financial sense. It is such a great program for anyone who qualifies. I’m all about helping people level up and make homeownership a reality. I’ve worked with countless families to help break down the barrier and get the keys to their first home. I keep the process simple and stress-free, so my clients can feel confident every step of the way. I always have your best financial interest in mind. Whether you are a first-time buyer or not, we offer many different loan options to fit different needs. Please text or call 509-305-1574 or email carlos.ramos@envoymortgage.com to set up a free consultation :). MLO #2215949
Chad Crithfield – Prime Lending – Richland
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
Jamie Larrigan – CrossCountry Mortgage – Bothell
The Washington State Housing Commission is a highly valuable resource to my borrowers by providing affordable loan programs, down payment assistance and creating opportunities for those who have been underserved. The Commission has had such an instrumental role in helping my borrowers build equity, invest in financial stability and open doors for generational wealth. I’ve had the privilege of working as a Loan Consultant in Washington State for nearly two decades. I aim to be a go-to advisor for my clients, offering support at every milestone. I’m committed to helping clients thrive, long after the transaction is complete. I am incredibly grateful to my clients and referral partners for their unwavering support. The Commission’s programs play a vital role in allowing me to continue helping others experience the true freedom that comes with homeownership. Contact Jamie at (509) 218-5565, Jamie.Larrigan@ccm.com. MLO #120413
Top Loan Officers by County
Listed are the top five in each region with a minimum of two WSHFC loans in the last quarter, January – March 2025.*
Jump to County:Â Â Benton | Chelan | Â Clark | Cowlitz | Grant | Â Grays Harbor | Island |Â King | Kitsap | Kittitas | Lewis |
Mason | Â Okanogan | Pierce | Skagit | Â Snohomish | Spokane | Thurston | Walla Walla | Whatcom | Yakima
Benton County
- Mark Carroll, CMG Home Loans, Kennewick, 13 loans*, 509-420-0236, mcarroll@cmghomeloans.com
- Chad Crithfield, Prime Lending, Richland, 8 loans*, 509-539-8043, Chad.crithfield@primelending.com
- Jonas Rosenberg, Summit Funding, Kennewick, 6 loans*, 509-783-4593, Jonas.rosenberg@summitfunding.net
- June Lu, Churchill Mortgage, Kennewick, 5 loans*, 206-650-0684, june.lu@churchillmortgage.com
- Leanne Truong, Chruchill Mortgage, Kennewick, 5 loans*, 206-931-3827, leanne.truong@churchillmortgage.com
- Tino Martinez, Prime Lending, Richland, 5 loans*, 509-420-7667, tino.martinez@primelending.com
Chelan County
- Christian Chamberlin, Gold Star Mortgage Financial, Wenatchee, 3 loans*, 509-293-0194, christianc@goldstarfinancial.com
- Randi Burchett, Whetland Bank, Chelan, 3 loans*, 509-682-7388, randi.burchett@wheatland.bank
- Yaneth Preciado, Gold Star Mortgage Financial Group, Wenatchee, 2 loans*, 509-264-2221, ypreciado@goldstarfinancial.com
Clark County
- Sandi Milohov, Guild Mortgage, Vancouver, 9 loans*, 360-270-9192, smilohov@guildmortgage.net
- Paula Nirschl-Robb, Guild Mortgage, Vancouver, 4 loans*, 360-816-5103, pnirschl@gildmortgage.net
- Debra McCloud, Cornerstone Home Lending, Vancouver, 3 loans*, 360-600-2025, dmccloud@houseloan.com
- Josh Walters, Fairway Independent Mortgage, Vancouver, 3 loans*, 206-412-7436, josh.walters@fairwaymc.com
- Mark Howard, Evergreen Home Loans, Vancouver, 3 loans*, 360-798-8679, mhoward@evergreenhomeloans.com
Cowlitz County
- Roger Kadey, Umpqua Bank, Longview, 7 loans*, 360-575-3823, rogerkadey@umpquabank.com
- Tony Andrews, Synergy One Lending, Longview, 4 loans*, 509-424-0459, tandrews@s1l.com
- Michael Bettineski, Guild Mortgage, Longview, 3 loans*, 360-957-0132, mbettineski@guildmortgage.net
- Ashley Swain, Advantage Mortgage, Woodland, 2 loans*, 360-949-8284, aswain@findtheadvantage.com
- Kristi Spears, VIP Mortgage, Kelso, 2 loans*, 360-957-1757, kristis@vipmtginc.com
Grant County
- Anne Fisher, Guild Mortgage, Moses Lake, 4 loans*, 509-766-7788, afisher@guildmortgage.net
- Kelly Price, Guild Mortgage, Moses Lake, 3 loans*, 509-766-7788, kprice@guildmortgage.net
- Callie Cunningham, Guild Mortgage, Moses Lake, 2 loans*, 509-766-7788, calliec@guildmortgage.net
- Joel Martinez, Guild Mortgage, Moses Lake, 2 loans*, 509-750-6027, joel.martinez@guildmortgage.net
Grays Harbor County
- Jacqueline Hudlow, LeaderOne Financial, Aberdeen, 3 loans*, 360-591-7272, jacquehudlow@leader1.com
Island County
- Richard Nelson, Envoy Mortgage, Oak Harbor, 2 loans*, 425-531-8155, rick.nelson@envoymortgage.com
King County
- Jessica Talton, Movement Mortgage, Bellevue, 18 loans*, 206-551-4058, jessica.talton@movement.com
- Kerwin Lyon, Guild Mortgage, Seattle, 8 loans*, 425-652-3333, klyon@guildmortgage.net
- April Reichert, Guild Mortgage, Federal Way, 7 loans*, 206-550-7793, aprilreichert@guildmortgage.net
- Kelli Smith, Guaranteed Rate, Seattle, 7 loans*, 253-389-8834, kelli.smith@rate.com
- Lisa Holmes, HomeSight, Seattle, 7 loans*, 206-305-2672, lisa@homesightwa.org
- Nestor Diaz, JR, Directors Mortgage, Bellevue, 7 loans*, 425-629-3002, nestor.diaz@directorsmortgage.net
Kitsap County
- Becky Johnson, Fairway Independent Mortgage, Silverdale, 4 loans*, 360-949-1582, beckyj@fairwaymc.com
- Stasie Pike, Evergreen Home Loans, Poulsbo, 3 loans*, 360-710-0024, spike@evergreenhomeloans.com
- Amber Page, Evergreen Home Loans, Silverdale, 2 loans*, 360-731-1163, apage@evergreenhomeloans.com
- Becky Carver, Prime Lending, Silverdale, 2 loans*, 360-402-8033, becky.carver@primelending.com
- Donna Miller, Movement Mortgage, Port Orchard, 2 loans*, 360-874-0451, donna.miller@movement.com
- Chloe Lykins, Movement Mortgage, Port Orchard, 2 loans*, 360-521-2484, chloe.lykins@movement.com
- Meika Hall, Canopy Mortgage, Silverdale, 2 loans*, 360-621-1850, meika.hall@brytehomeloans.com
- Riley Chase, Movement Mortgage, Port Orchard, 2 loans*, 360-710-2089, riley.chase@movement.com
Kittitas County
- Melissa Bergren, Guild Mortgage, Ellensburg, 3 loans*, 509-201-6037, melissa.bergren@guildmortgage.net
Lewis County
- Emilee Macomber, Guild Mortgage, Centralia, 2 loans*, 360-520-1939, emilee.macomber@guildmortgage.net
- Travis Wentworth, Guild Mortgage, Centralia, 2 loans*, 360-508-1360, travis.wentworth@guildmortgage.net
Mason County
- Mitch Smith, Guild Mortgage, Shelton, 5 loans*, 360-995-8425, mitch.smith@guildmortgage.net
Okanogan County
- Kimberly Pfitzer, Evergreen Home Loans, Omak, 3 loans*, 509-826-1965, kpfitzer@evergreenhomeloans.com
Pierce County
- Bryan LaFlamme, Movement Mortgage, Tacoma, 21 loans*, 253-863-4964, thelaflammegroup@movement.com
- Ethan Wilson, Cornerstone First Mortgage, Fife, 15 loans*, 253-200-3255, ethanw@futurefirstmtg.com
- Michael Fornerette, Synergy One Lending, Tacoma, 7 loans*, 206-793-4863, mfornerette@s1l.com
- Ryan Dorman, Evergreen Home Loans, Puyallup, 7 loans*, 253-355-7852, rdorman@evergreenhomeloans.com
- April Janas, CrossCountry Mortgage, Gig Harbor, 6 loans*, 206-841-7825, april.janas@ccm.com
Skagit County
- Earnest-Will Borthwick, USA Mortgage, Burlington, 3 loans*, 425-322-6726, eborthwick@usa-mortgage.com
- Emily Griffin, Guild Mortgage, Mount Vernon, 2 loans*, 360-420-6175, egriffin@guildmortgage.net
- Lorena Cisneros, Evergreen Home Loans, Mount Vernon, 2 loans*, 360-333-1801, lcisneros@evergreenhomeloans.com
Snohomish County
- Trevor Roberge, Capstone Home Loans, Lynnwood, 14 loans*, 425-765-6605, troberge@capstonehomeloans.com
- Jason Gosser, Guild Mortgage, Everett, 10 loans*, 425-330-1314, jasong@guildmortgage.net
- Christine Goetz, Capstone Home Loans, Lynnwood, 6 loans*, 206-919-6080, cgoetz@capstonehomeloans.com
- Jeff Miltenberger, NFM Lending, Bothell, 5 loans*, 206-295-8455, jeffm@nfmlending.com
- Julian Sibley, American Pacific Mortgage, Everett, 4 loans*. 425-293-9535, julian.sibley@apmortgage.com
- Michelle Bruto da Costa, CMG Home Loans, Everett, 4 loans*, 214-551-2652, michelleb@cmghomeloans.com
- Sean Psaradelis, Capstone Home Loans, Lynnwood, 4 loans*, 425-582-2420, spsaradelis@capstonehomeloans.com
Spokane County
- Michelle Fort, Movement Mortgage, Spokane, 8 loans*, 509-389-688, michelle.fort@movement.com
- Laura Wells, New American Funding, Spokane, 7 loans*, 509-714-9411, laura.wells@nafinc.com
- Carlos Ramos, Envoy Mortgage, Liberty Lake, 6 loans*, 509-305-1574, carlos.ramos@envoymortgage.com
- Hunter Zier, Canopy Mortgage, Spokane Valley, 5 loans*, 509-863-7008, hzier@canopymortgage.com
- Luke Baker, Guardian Mortgage, Spokane, 5 loans*, 509-710-4631, lukebaker@gmc-inc.com
Thurston County
- Skylar Mosher, CrossCountry Mortgage, Lacey, 5 loans*, 845-709-9764, skylar.mosher@ccm.com
- Amanda Bocook, Evergreen Home Loans, Olympia, 3 loans*, 360-742-8022, abocook@evergreenhomeloans.com
- Chris Lambert, Movement Mortgage, Lacey, 3 loans*, 360-507-9759, chris.lambert@movement.com
- Eric Payne, CrossCountry Mortgage, Lacey, 3 loans*, 206-499-7749, eric.payne@ccm.com
- Jeff Devlin, Guild Mortgage, Lacey, 3 loans*, 360-259-5555, jeff.devlin@guildmortgage.net
- Wendy DeBorde, Guild Mortgage, Olympia, 3 loans*, 360-491-3282, wdeborde@guildmortgage.net
Walla Walla County
- Philip Murr, Premier Mortgage Resources, Walla Walla, 8 loans*, 509-440-5337, phil.murr@pmrloans.com
- Tera Davis, Mortgage Express, Walla Walla, 6 loans*, 509-527-3375, tdavis@mtgxps.com
Whatcom County
- Avery Dykstra, Evergreen Home Loans, Bellingham, 2 loans*, 360-325-2915, adykstra@evergreenhomeloans.com
- Nicole Walker, Evergreen Home Loans, Bellingham, 2 loans*, 360-672-5301, nwalker@evergreenhomeloans.com
- Robert Bennett, Canopy Mortgage, Ferndale, 2 loans*, 360-739-3454, rbennett@canopymortgage.com
Yakima County
- Jose Zuniga, CMG Home Loans, Yakima, 12 loans*, 509-305-3259, jzuniga@cmghomeloans.com
- Estrella Sanchez, CMG Mortgage, Yakima, 11 loans*, 509-367-4113, esanchez@cmghomeloans.com
- Pedro Garcia, CMG Home Loans, Yakima,11 loans*, 509-961-5797, pgarcia@cmghomeloans.com
- Edwin Esquivel, CMG Home Loans, Yakima, 7 loans*, 509-480-9654, eesquivel@cmghomeloans.com
- Heather Lee, New American Funding, Yakima, 5 loans*, 509-949-5495, heather.lee@nafinc.com