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The Home Advantage DPA program allows a borrower to own another home at the time of closing per agency guidelines as long as: 1) it was not financed through the Commission, and 2) the borrower intends to occupy the new home.

Ask your lender or fill in this quick form with information about your location, household size and income. One of our Homeownership staff will reply with recommendations just for you.

It varies by program, but $15,000 is the average amount for a typical homebuyer.

All borrowers who will be signing on both the Note and the Deed of Trust must attend the class. That means each person will need their own certificate of completion. Take a look at our Homebuyer Education class schedule.

We define a first-time homebuyer as someone who has not owned AND occupied a primary residence at any time in the past three years. If you purchase a home in a Target Area or are an honorably discharged Veteran, you do not have to be a first-time homebuyer.

Our downpayment assistance is only for homebuyers who use our home loan programs, either Home Advantage or House Key Opportunity. If your household income is under the program limits (up to $180,000) and you are otherwise qualified for a home loan, you are probably eligible. Connect with a Commission-trained lender today, or find a free homebuyer education class near you!

Please email homedocs@wshfc.org to request a rush on a submitted file.

See today’s rates on our Rates page!

Please submit a reservation change request form. Once a reservation has been completed, the lender cannot make additional changes in Lender Online.

Government first mortgages are assumable if allowed per agency guidelines and meet Commission criteria. Downpayment assistance loans are not assumable.

Real estate professionals are not required to complete any type of training to assist clients purchase or sell a home.

Marketing materials can be found here.