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Washington State's HomeChoice
Second Mortgage Program

HomeChoice is a down payment assistance, second mortgage loan program for qualified borrowers who have a disability or who have a family member with a disability living with them.  Funds up to $15,000.  HomeChoice combines with House Key State Bond first mortgage loan program.  One-on-one counseling is required.

HOW DO I GET STARTED?

The first step is to meet with a House Key Lender in your area that has been trained on the HomeChoice program.  The House Key Lender will determine if you are eligible for the HomeChoice second mortgage program and will then refer you to a free  homebuyer education seminar and a HomeChoice trained Service Provider.  For additional trained lenders or service providers, please email Karen Carlson at karen.carlson@wshfc.org or call 206-287-4413.

HOW DO I QUALIFY?

The HomeChoice Second Mortgage program is a Down Payment Assistance Program for low- to-moderate income people with a disability or who have a family member with a disability living with them and qualify for House Key State Bond first mortgage.

A 1.00% interest rate on the Down Payment Assistance loan program for first-time homebuyers (borrowers who haven't owned and occupied their primary residence in the past three years).  If you buy in a targeted area you do not have to be a first-time homebuyer.  Borrowers must meet the acquisition cost and income limits for the House Key program.

MAXIMUM INCOME LIMITS*:

• Clark/Skamania Counties: $72,000
• King/Snohomish Counties: $86,800
• Kitsap/Thurston Counties:  $74,500
• All Other Counties: $71,900

*Other requirements may apply.  Please check with your lender or service provider to verify the limits.  Manufactured homes only allowed with FHA financing.  HomeChoice borrowers also must complete a Commission-sponsored homebuyer education seminar prior to reservation of funds.

BENEFITS

• HomeChoice uses the interest rate advantage of the House Key loan program.
• Down payment assistance - The Program offers up to $15,000 per household in a 1.00% interest, payment deferred second mortgage. Second mortgages are due when home is sold, or if home is refinanced or after 30 years.

PARTICIPATING LENDERS

We would like to thank the following Lenders for their participation in the House Key and HomeChoice down payment assistance program in the last year:  (Verify a mortgage company or individual: www.nmlsconsumeraccess.org)

• Academy Mortgage
  Kristi LaCroix, 509-340-1962, Spokane, kristi.lacroix@academymortgage.com
   
  
• Banner Bank
  Mark Rowley, 509-735-0812, Kennewick, mrowley@bannerbank.com
   
• Bank of America
  James Beutler, 360-258-2041, Vancouver, james.beutler@bankofamerica.com
  Stephanie Smith, 360-817-8004, Camas, stephanie3.smith@bankofamerica.com 
  Cristi Zacherle, 509-483-5819, Spokane, cristine.zacherle@bankofamerica.com
   
• Canyon Park Mortgage
  Michelle Swanson, 425-776-1450, Bothell, michelle.swanson@prospectmtg.com
   
• Cobalt Mortgage
  Glenn Leach, 253-268-1089, Puyallup, glenn.leach@cobaltmortgage.com
  Jolene Messmer, 425-445-1945, Bothell, jolene.messmer@cobaltmortgage.com
  Tina Mitchell, 206.686.8462, Kirkland, tina@themortgageplannerteam.com
  Keane Ng, 425-440-0777, Kirkland, keane@keaneloans.com
  Robert Wolverton, 425-418-3233, Bothell, robert@cobaltmortgage.com
   
• Community One Financial
  Jason Swanson, 253-770-2282, Puyallup, jswanson@CommunityOneOnline.com
   
• Cornerstone Home Lending
  Cristie Stapp, 206-521-6104, Seattle, Cristie@CristieStapp.com
   
• Crane Financial Mortgage
  Paul Armstrong, 360-217-1009, Snohomish, paul.armstrong@craneloan.com
   
• Eagle Home Mortgage of Washington
  Thomas Caston, 800-349-1955, Federal Way, tcaston@eaglehomemortgage.com
  Laurie Dennison, (425)353-9233x 103, Everett, ldennison@eaglehomemortgage.com
  Val Hawryluk, 360-535-6000, Silverdale, vhawryluk@eaglehomemortgage.com
  Amber Page, 360-535-6018, Silverdale, apage@eaglehomemortgage.com
  Nancey Perry, 253-852-1840, Federal Way, nperry@eaglehomemortgage.com
  Lynn Posselt, 360-573-4112, Vancouver, possell@eaglehomemortgage.com
  Christine Robison, 360-573-4112, Vancouver, crobison@eaglehomemortgage.com
  Gayle Stockton, 509-926-7270, Spokane, gstockton@eaglehomemortgage.com
   
  
• Evergreen Home Loans
  Leslie Girard, 360-260-6979, Vancouver, lgirard@evergreenhomeloans.com
  Jennifer Hatch, 360.907.8086, Vancouver, jhatch@evergreenhomeloans.com
  Lynda Myrick, 425-732-3384, Seattle, lmyrick@evergreenhomeloans.com
  Michelle Wickett, 360-459-1200, Lacey, mwickett@evergreenhomeloans.net
  Don Zender, 425-576-3702, Bellevue, dzender@evergreenhomeloans.com
   
  
• Global Credit Union
  Dorothy Stevens, 509-737-2621, Kennewick, dorothy.stevens@globalcu.org
   
  
• Guild Mortgage
  Michael Fornerette, 253-830-2323, Tacoma, mfornerette@guildmortgage.net
  Julia Hansen, 509.279.2320 ext. 23, Spokane Valley, jhansen@guildmortgage.net
  Josh Henry, 360-746-8328, Bellingham, jhenry@guildmortgage.net
  Marcia Marks, 360-331-8353, Freeland, marcia@nwmcwhidbey.com
  Rimma Israyelyan, 425-250-3100,Kirkland, rimmai@guildmortgage.net
  Joan Qvigstad, 360-874-1770, Port Orchard, jqvigstad@guildmortgage.net
  Terry Roswall, 360-753-8900, Lacey, terry.roswall@comcast.net
  Phil Ross, MLO-150797, 253-246-6000, Kent, pross@guildmortgage.net
  Kim Toskey, MLO-184361, 425-422-5286, Seattle/Everett, ktoskey@guildmortgage.net
  John Verheyden, 206-378-4490, Seattle, johnv@guildmortgage.net
  Laura Wells, MLO-330328, 509-279-2320 ext 25, Spokane Valley LWells@GuildMortgage.net
   
• Metlife Home Loans
  Krista Butler, 253.835.4910, Federal Way, klbutler@metlife.com
  Jamie Parisotto, 509-329-9627, Spokane, jparisotto@metlife.com
   
  
• Mortgage Advisory Group
  Kathleen Facey, 425.224.8300, Mill Creek, kfacey@magloans.net
  Sandy Johnson, 425.224.8300, Mill Creek, sjohnson@magloans.net
  Nikki Sauve, 296-459-7656, Woodinville, nsauve@magloans.net
  Karen Sibley, 425-224-8300, Millcreek, ksibley@magloans.net
  Cody Touchette, 425-224-8308, Mill Creek, ctouchette@magloans.net
   
  
• Network Mortgage Services
  Angela Cohen, 425-672-2810, Lynnwood, angelac@networkhomeloans.com
  Gerri Rasmussen, 425-248-2319, Lynnwood, gerrir@networkhomeloans.com
   
  
• Numerica Credit Union
  Kathy Lyda, 509-536-6116, Spokane, KLyda@numericacu.com
   
  
• Peoples Bank
  Margaret Adams-Curry, 360-424-2056, Mt Vernon, margaret.curry@peoplesbank-wa.com
  Catherine Martyn, 360-678-5244, Coupeville, catherine.martyn@peoplesbank-wa.com
   
• Pinnacle Capital Mortgage
  Annika Day, 253-468-7535, Federal Way annika5260@msn.com
  Mike England, 206-271-3219, Tukwila, mike@vikingmtg.com
  Corina Fiedler, 253.446.6060, Puyallup, cfiedler@pinnaclemp.com
   
• Republic Mortgage
  Teresa Butts, 253.941.1600, Federal Way, tbutts@repmtg.com
  Annette Schmidt, 253-347-5052, Tacoma, aschmidt@repmtg.com
   
• Sterling Savings Bank
  Tim Christoffersen, 509-924-8100, Spokane, Tim.Christoffersen@sterlingsavings.com
  Danny Forbes, 425-673-8231, Mountlake Terrace, danny.forbes@sterlingsavings.com
  Gary Grissom, 509-893-3235, Spokane, Gary.Grissom@sterlingsavings.com
  Shirley Smith-Allen, 509-464-5063, Spokane, shirley.smithallen@sterlingsavings.com
  Tracy Windhorst, 509.315.3332, Spokane, tracy.windhorst@sterlingsavings.com
   
• The Advisors Mortgage Banking
  Fenja Swope, 509-457-6552, Yakima, fenjas@theadvisorsnw.com
    
• The Legacy Group
  Kathy Johnson, 253-988-2138, Puyallup, kathyj@legacyg.com
  Stasi Pike, 360-698-6440, Silverdale, stasiep@legacyg.com
   
  
• Washington Trust
  Jeff Berglund, 509-358-3702, Spokane, jberglund@watrust.com
   
• Wells Fargo
  Deborah Cote, 206-919-9335, Kirkland, deborah.cote@wellsfargo.com
  Kelly Dodd, 206-369-5395, Bellevue, kelly.dodd@wellsfargo.com
  Teresa Estergard, 360-486-3670, Lacey, teresa.estergard@wellsfargo.com
  Chris Pettit, 360-791-0822, Issaquah, chris.pettit@wellsfargo.com
  Brent Schoeppel, 253-274-4905, Tacoma, brent.schoeppel@wellsfargo.com
  Mia Vermillion, 253-861-8812, Tacoma, mia.vermillion@wellsfargo.com
  

HOMECHOICE SERVICE PROVIDERS

• Adams County
  CCCS- Apprisen Financial Advocates, 509-248-5270, www.apprisen.com
   
  
• Asotin County
  Valley Residential Services, Nancy Riggle, 509-522-0400
   
  
• Benton & Franklin Counties
  Consumer Credit Counseling Services, Liza Beam 509-737-1973, www.cccswaor.org 
   
• Chelan County
  CCCS- Apprisen Financial Advocates, 509-248-5270, www.apprisen.com
   
• Clallam & Jefferson Counties
  American Financial Solutions, 888-864-8699, www.myfinancialgoals.org
   
• Clark & Skamania Counties
  Community Housing Resource Center, 360-690-4496 x100
   
  
• Clarkston-Lewiston, ID
  Community Action Partnership, Sandra Smith, 800-326-4843
   
• Cowlitz County
  Family Finance Resource Center Longview 360-423-9197
   
• Ferry County
  Rural Resources Community Action, Jan Owens, 509-685-6179,  www.ruralresources.org
   
  
• Franklin & Benton Counties
  Consumer Credit Counseling Service, Liza Beam, 509-737-1973, www.cccswaor.org 
   
• Grant & Lincoln Counties
  CCCS- Apprisen Financial Advocates, 509-248-5270 www.apprisen.com/  
   
• King County
  Homestead Community Land Trust, Staff member, 206-323-1227, www.homesteadclt.org
  Parkview Services, Marc Cote or Marnie Claywell, 206-334-0731, www.parkviewservices.org
  Urban League of Metropolitan Seattle, 800-368-1455
   
• Kittitas County
  CCCS- Apprisen Financial Advocates, 509-248-5270, www.apprisen.com
   
• Kitsap, Mason & Grays Harbor Counties
  American Financial Solutions, 888-864-8699, www.myfinancialgoals.org
   
• Okanogan County
  Okanogan County Community Action, Staff member, 509-422-4041
   
• Pend Oreille County
  Rural Resources Community Action, Jan Owens, 509-685-6179, www.ruralresources.org 
   
• Pierce County
  South Sound Outreach, Teresa Seeley, 253-593-2111
   
• San Juan County
  Opal Community Land Trust, Julie Brunner, 360-376-3191, www.opalclt.org
   
• Snohomish County
  Homestead Community Land Trust, Staff member, 206-323-1227, www.homesteadclt.org 
  Parkview Services, Marc Cote, 206-334-0731, www.parkviewservices.org
   
• Spokane County
  CORD, Rhonda Monge, 509-326-6355 x 105 rhonda@cordwa.info
  Spokane Neighborhood Action Programs, Any Staff Member, 509-456-7105, www.snapwa.org
  The ARC of Spokane, Cathie Griffith, 509-328-6326, www.arc-spokane.org
   
  
• Stevens County
  Rural Resources Community Action, Jan Owens, 509-685-6179, www.ruralresources.org 
   
  
• Walla Walla County
  Valley Residential Services, Nancy Riggle, 509-522-0400
   
  
• Whatcom, Skagit & Island Counties
  Kulshan Community Land Trust, Staff member, 360-671-5600, x1, www.kclt.org 
   
  
• Yakima County
  CCCS- Apprisen Financial Advocates, 509-248-5270, www.apprisen.com
   

If there is no Service Provider located in your area, please refer to a service provider in a neighboring county or e-mail Karen Carlson:  karen.carlson@wshfc.org 

QUESTIONS ABOUT HOMECHOICE

Please e-mail Karen Carlson karen.carlson@wshfc.org

01/25/2012