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HOMEOWNERSHIP
PROGRAMS
Programs that help make homeownership possible for first-time, low- and moderate-income homebuyers across the state.
Our programs address the unique purchasing needs of people in a variety of circumstances.
HOME BUYER PROGRAMS
House Key Program
fixed interest rate for 30 years:
House Key State Bond
FHA, VA & USDA Rural
Development Loans:
4.00% with 2 points | 4.25% with 1 point
| 4.5% with 0 points
Conventional Loans:
4.25% with 2 points | 4.5% with 1 point
| 4.75% with 0 points
New Home For You
FHA, VA &
USDA Rural Development Loans:
3.75% - 2 points | 4.00% - 1 point
| 4.25% - 0 points
Conventional Loans:
4.00% - 2 points | 4.25% - 1 point
| 4.50% - 0 points
Mortgage Credit Certificate Program (MCC) MCCs are not mortgages. They are a tax credit.
STEPS TO GETTING STARTED
Attend a Free Homebuyer Education
Seminar
Contact a Commission-Trained Loan
Officer
Know what you qualify for and look for a home
MORE RESOURCES
* This is not an advertisement for credit as defined in Regulation Z; contact a WSHFC House Key Participating Lender for Annual Percentage Rate ("APR") information.