Find training below in these three categories!

Initial Training for Homeownership Professionals â–º

If you’re new to our professional network, this two-part training is your first step. 

  • Part 1: Commission Home Loan Programs is required for all who wish to originate Commission loans or teach homebuyer education classes. Offered from 8:30 to noon the first day.
  • Part 2: Homebuyer Education Instructor Training is required for all real-estate professionals and nonprofit partners, as well as all lenders teaching homebuyer education. Offered from 9 a.m. to noon the second day.

Cost:
o   Lending professionals – $60 (same cost for Part 1 or both parts)
o   Real-estate professionals – $110. Must attend both days. Includes 6 Clock Hours.
o   Nonprofit partners: $60 for the first attendee, $10 for each additional (up to five total). Must attend both days.

Advanced Downpayment Assistance Training â–º

More detail on all our programs.
This one-hour training goes into depth on all the Commission’s downpayment assistance programs, including HomeChoice, and provides information on other statewide programs as well.
You must attend Part 1 of Initial Training for Homeownership Professionals to access this training.

Cost:
o   Lending professionals – $30
o   Real-estate professionals – $30
o   Nonprofit partners: Free (up to five staff per organization)

Back-Office Training

These free, optional trainings guide processors, closers and underwriters through our loan reservation system. 

First Mortgage Programs

by | May 6, 2025

Two programs. Many options.

All with downpayment assistance.

Participating Lenders

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.

For our top loan officers in the state and by region, visit our Find a Lender page!

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

Home Advantage

Our most popular mortgage loan — you don’t even need to be a first-time homebuyer.

 Just one income limit statewide: $180,000

Am I Eligible for Home Advantage?
  • Household income under $180,000 (regardless of family size or location)
  • No need to be a first-time homebuyer
  • Complete a Commission-sponsored homebuyer education class (within the last two years)
  • Qualify for a mortgage loan through a Commission-trained loan officer.
Downpayment Assistance Programs (Home Advantage)

All our downpayment assistance loans can be combined with the Home Advantage first mortgage — with the exception of the House Key Opportuntity DPA program. Special eligibility criteria apply to each downpayment program. Explore all the downpayment programs here! 

Rate Buydown Request Form

A rate buydown is a mortgage financing option where a borrower pays an upfront fee (or the seller or lender pays on their behalf) to reduce the interest rate on the loan for the entire life of the mortgage. This results in lower monthly payments. To request a rate buydown, please use this form. 

 

80% AMI Threshold for Conventional Loans

A homebuyer whose income is under 80% of the Area Median Income can get a lower rate on a conventional loan (as distinct from government loans through FHA, VA or USDA). The 80% threshold is set by Fannie Mae and Freddie Mac.

2025 80% AMI Limits

2024 80% AMI Limits

PLEASE NOTE: This information does not determine eligibility and should not be relied on for any other purpose than determining rates on conventional loans.

 

Home Advantage Lender Manuals and Forms
  • Home Advantage
See Home Advantage FAQs

House Key Opportunity

Best loan terms for first-time homebuyers with low to moderate incomes.

Am I Eligible for House Key Opportunity?
  • First-time homebuyer or have not owned a home in the last three years
  • Not a first-time homebuyer, but purchasing a home in a Target Area (see Target Area map here)
  • Income is under the limit for location and family size (see income limits here)
  • Complete a Commission-sponsored homebuyer education class (within the last two years)
  • Qualify for a mortgage loan through a Commission-trained loan officer
Downpayment Assistance Programs (House Key Opportunity)
All our downpayment assistance loans can be combined with the House Key Opportunity first mortgage — with the exception of the Home Advantage DPA and Home Advantage Needs-Based DPA. Special eligibility criteria apply to each downpayment program. Explore all the downpayment programs here! 
Habitat for Humanity / Community Land Trust Homes
The House Key Opportunity program offers special rates for borrowers who are purchasing a home through an approved affiliate member of Habitat for Humanity of Washington State or a home in a Community Land Trust, and who earn no more than 65% of area median income (based on household size and county in which they are buying).
House Key Lender Manuals and Forms
  • House Key
See Income Limits, Target Areas, and Acquisition Cost Limits for House Key Opportunity
See House Key Opportunity FAQs

Today’s Rates

80% AMI Threshold for Conventional Loans

A homebuyer whose income is under 80% of the Area Median Income can get a lower rate on a conventional loan (as distinct from government loans through FHA, VA or USDA). The 80% threshold is set by Fannie Mae and Freddie Mac. Find the threshold by county here.

PLEASE NOTE: This information does not determine eligibility and should not be relied on for any other purpose than determining rates on conventional loans.

 

Downpayment assistance that fits every buyer

Having enough cash for the downpayment is an obstacle for many homebuyers. Every Commission home loan includes downpayment assistance in the form of a second loan. 

Explore our Downpayment Programs

Ready to Buy a Home? Get Started Today!

Our free homebuyer education seminars answer your questions and help you prepare you for homeownership, with no commitment. Then connect with a loan officer and get pre-qualified for a home loan.

 

1. Attend a Free Homebuyer Class!

This free class gives you a great foundation of knowledge about buying and owning a home. (Plus, it’s required for all Commission loans.) You’ll earn a certificate upon class completion, valid for two years. 
Find a Homebuyer Class

2. Contact a Commission-Trained Loan Officer.

Your loan officer knows all our programs and will help you find the right mortgage and downpayment assistance loan for your needs.
Find a Lender

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

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

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
Mark Carroll - CMG Home Loans - Kennewick
First-time homebuyers face an intimidating process when buying a new...
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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
Jessica Talton – Movement Mortgage – Kent
I truly believe in the power of accessible homeownership,...
Read More
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
Bryan LaFlamme – Movement Mortgage – Tacoma
here is nothing more professionally fulfilling than walking alongside someone...
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Bryan LaFlamme
Movement Mortgage
here 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
Bryan LaFlamme – Movement Mortgage – Tacoma
Bryan LaFlamme
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
Jonas Rosenberg - Summit Funding - Kennewick
Jonas Rosenberg’s drive is to make sure every first-time homebuyer...
Read More
Jonas Rosenberg
Summit Funding
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 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
Jonas Rosenberg - Summit Funding - Kennewick
Jonas Rosenberg
Summit Funding

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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Home Advantage
House Key
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Homebuyer Education
Energy Spark
Homeowners
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