Two programs. Many options.
All with downpayment assistance
Home Advantage
Just one income limit statewide, and you don't have to be a first-time homebuyer.
Home Advantage
Our most popular home loan, with just one income limit statewide — and you don’t have to be a first-time homebuyer.
House Key Opportunity
Lower rates, with more help for buyers with lower incomes.
Click here to see Historical Rates.
Home Advantage Details
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!
Participating Lenders (Home Advantage)
These Participating Lenders have a proven track record of originating and closing Home Advantage loans. To find a loan officer, visit our Find a Lender page!
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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 Lender Manuals and Forms
Homebuyer Education Classes
House Key Opportunity
Best loan terms for first-time buyers with low to moderate incomes.
Home Advantage
Our most popular home loan, with just one income limit statewide — and you don’t have to be a first-time homebuyer.
House Key Opportunity Details
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!
Participating Lenders (House Key Opportunity)
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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 |
House Key Opportunity
Lower rates, for those with lower incomes.
House Key Opportunity is a great choice for homebuyers with lower incomes, especially those buying in certain areas. Plus, downpayment assistance is available on every loan.
Do I Qualify for House Key Opportunity?
I'm a first-time homebuyer or have not owned a home in the last three years
I’m not a first time homebuyer, but can buy in a Target Area
My income is under the eligible limit for my location and family size
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 available on every loan.
Do I Qualify for a Home Advantage Loan?
Income under $180,000 (anywhere in the state)
No need to be a first-time homebuyer
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.
HOUSE KEY OPPORTUNITY: MORE DETAILS
House Key Opportunity Participating Lenders
These Participating Lenders have a proven track record of closing our House Key Opportunity loans.
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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 |
Downpayment Assistance Programs
House Key Opportunity Downpayment Assistance Programs
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?
Washington Homeownership 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).
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!
2. Contact a Commission-Trained Loan Officer.
3. Once you know how much you qualify for, it’s time to look for a home.
Participating Lenders
Home Advantage Participating Lenders
These Participating Lenders have a proven track record of originating and closing Home Advantage loans.
See Premier Participating Loan Officers.
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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 |
House Key Opportunity Participating Lenders
These Participating Lenders have a proven track record of closing our House Key Opportunity loans.
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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
Additional Help with Homeownership
Home Advantage Downpayment Assistance Programs
House Key Opportunity Downpayment Assistance Programs
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!
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?
Washington Homeownership 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).
Homebuyer Education Classes
Our Premier Lender Partners
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.