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HomeChoiceHomeChoice Downpayment Assistance Loan Program

HomeChoice is a downpayment 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 and Home Advantage first mortgage loan programs. One-on-one counseling is required.

GETTING STARTED

The first step is to meet with HomeChoice Lender in your area that has been trained on the HomeChoice program. The HomeChoice 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 Dietrich.Schmitz@wshfc.org or call 206-464-7139 or 800-767-4663.

PROGRAM DESCRIPTION

The HomeChoice Second Mortgage program is a Downpayment 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 Home Advantage first mortgage loan program. A 1.00% interest rate on the Downpayment 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. 

MAXIMUM INCOME LIMITS as of 08/28/2018*

King/Snohomish $103,400

All Other Counties $81,100

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

BENEFITS

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 HomeChoice Downpayment Assistance Program in the last year:  (Verify a mortgage company or individual: www.nmlsconsumeraccess.org)

Adams

Matthew Riener, NMLS #42311, Premier Mortgage Resources, Spokane Valley, Phone: (509) 362-1453, Email: matt.riener@pmrloans.com
Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com

Asotin

Ty Windhorst, NMLS #934314, Heritage Home Loans, Spokane, Phone: (406) 360-0594, Email: ty@hhlnorthwest.com
Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com

Benton

Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com
Steve Morgensen, NMLS #506335, HomeStreet Bank, Spokane, Phone: (509) 723-8030, Email: steve.morgensen@homestreet.com

Chelan

Kim McAlpin, NMLS #9916, Wheatland Bank, Spokane, Phone: (509) 458-5967, Email: Kim.McAlpin@wheatlandbank.com

Clallam

Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net

Clark

Angie Stillman, NMLS #114291, Umpqua Bank, Vancouver, Phone: (360) 609-3022, Email: angiestillman@umpquabank.com
Leslie Girard, NMLS #58461, Evergreen Home Loans, Vancouver, Phone: (360) 254-2610, Email: lgirard@evergreenhomeloans.com
JSandi Milohov, NMLS #114287, Guild Mortgage, Longview, Phone: (360) 270-9192, Email: smilohov@guildmortgage.net

Columbia

Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com

Cowlitz

Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net
Sandi Milohov, NMLS #114287, Guild Mortgage, Longview, Phone: (360) 270-9192, Email: smilohov@guildmortgage.net

Douglas

Laura A. Wells, CMPS, NMLS #330328, Envoy Mortgage, Spokane, Phone: (509) 590-1438, Email: wellsgroup@envoymortgage.com
Karin Koenig, NMLS #117039, Eagle Home Mortgage, Bellevue, Phone: (206) 459-1345, Email: karinkoenig@eaglehm.com

Ferry

Laura A. Wells, CMPS, NMLS #330328, Envoy Mortgage, Spokane, Phone: (509) 590-1438, Email: wellsgroup@envoymortgage.comLeslie Girard, Terry A. Wiyrick, NMLS #190050, Umpqua Bank Home Loan Division, Spokane, Phone: (509) 842-9558, Email: terrywiyrick@umpquabank.com
Julia Hansen, NMLS #334756, Guild Mortgage, Spokane Valley, Phone: 509-994-4468, Email: jhansen@guildmortgage.net

Franklin

Laura A. Wells, CMPS, NMLS #330328, Envoy Mortgage, Spokane, Phone: (509) 590-1438, Email: wellsgroup@envoymortgage.com
Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com

Garfield

Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com

Grant

Terry A. Wiyrick, NMLS #190050, Umpqua Bank Home Loan Division, Spokane, Phone: (509) 842-9558, Email: terrywiyrick@umpquabank.com
Ty Windhorst, NMLS #934314, Heritage Home Loans, Spokane, Phone: (406) 360-0594, Email: ty@hhlnorthwest.com

Grays Harbor

Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net

Island

Joshua Henry, NMLS #399700, Caliber Home Loans, Bellingham, Phone: (360) 224-0841, Email: joshua.henry@caliberhomeloans.com
Karin Koenig, NMLS #117039, Eagle Home Mortgage, Bellevue, Phone: (206) 459-1345, Email: karinkoenig@eaglehm.com

Jefferson

See Clallum and Kitsap

King

Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net
Brent G Schoeppel, NMLS #404618, Wells Fargo, Federal Way, Phone: (253) 945-1222, Email: Brent.Schoeppel@wellsfargo.com
Karin Koenig, NMLS #117039, Eagle Home Mortgage, Bellevue, Phone: (206) 459-1345, Email: karinkoenig@eaglehm.com
Jeannet A. Gil, NMLS #889009, HomeStreet Bank, Seattle, Phone: 206-518-4050, Email: jeannet.gil@homestreet.com
Brian Rutt, NMLS #350347, US Bank, Kent, Phone: (253) 359-1883, Email: brian.rutt@usbank.com
Tracy O'Donnell, NMLS #982210, Caliber Home Loans, Kent, Phone: (206) 310-2975, Email: tracy.odonnell@caliberhomeloans.com
Annette M Schmidt, NMLS #287955, Academy Mortgage, Federal Way, Phone: (253) 347-5052, Email: annette.schmidt@academymortgage.com
Mark Williams, NMLS #205465, Evergreen Home Loans, Bellevue, Phone: (425) 748-8901, Email: mwilliams@evergreenhomeloans.com

Kitsap

Stephen R Coupe, NMLS #98160, Directors Mortgage Inc, Silverdale, Phone: (360) 698-3020, Email: scoupe@directorsmortgage.net
Karin Koenig, NMLS #117039, Eagle Home Mortgage, Bellevue, Phone: (206) 459-1345, Email: karinkoenig@eaglehm.com
Brenda Leech, NMLS #329499, Academy mortgage Corporation, Tacoma, Phone: (253) 732-4448, Email: brenda.leech@academymortgage.com
Sunny Wilson, NMLS #505811, Eagle Home Mortgage, Puyallup, Phone: (425) 876-4959, Email: Sunnywilson@eaglehm.com

Kittitas

Karin Koenig, NMLS #117039, Eagle Home Mortgage, Bellevue, Phone: (206) 459-1345, Email: karinkoenig@eaglehm.com

Klickitat

See Clark and Yakima

Lewis

Sunny Wilson, NMLS #505811, Eagle Home Mortgage, Puyallup, Phone: (425) 876-4959, Email: Sunnywilson@eaglehm.com
Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net

Lincoln

Kim McAlpin, NMLS #9916, Wheatland Bank, Spokane, Phone: (509) 458-5967, Email: Kim.McAlpin@wheatlandbank.com
Julia Hansen, NMLS #334756, Guild Mortgage, Spokane Valley, Phone: 509-994-4468, Email: jhansen@guildmortgage.net

Mason

Brenda Leech, NMLS #329499, Academy mortgage Corporation, Tacoma, Phone: (253) 732-4448, Email: brenda.leech@academymortgage.com

Okanogan

Laura A. Wells, CMPS, NMLS #330328, Envoy Mortgage, Spokane, Phone: (509) 590-1438, Email: wellsgroup@envoymortgage.com
Terry A. Wiyrick, NMLS #190050, Umpqua Bank Home Loan Division, Spokane, Phone: (509) 842-9558, Email: terrywiyrick@umpquabank.com

Pacific

Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net

Pend Oreille

Matthew Riener, NMLS #42311, Premier Mortgage Resources, Spokane Valley, Phone: (509) 362-1453, Email: matt.riener@pmrloans.com
Laura A. Wells, CMPS, NMLS #330328, Envoy Mortgage, Spokane, Phone: (509) 590-1438, Email: wellsgroup@envoymortgage.com
Julia Hansen, NMLS #334756, Guild Mortgage, Spokane Valley, Phone: 509-994-4468, Email: jhansen@guildmortgage.net

Pierce

Sunny Wilson, NMLS #505811, Eagle Home Mortgage, Puyallup, Phone: (425) 876-4959, Email: Sunnywilson@eaglehm.com
Ricky Gilbert, NMLS #294775, Academy Mortgage Corporation, Bonney Lake, Phone: (253) 292-3375, Email: ricky.gilbert@academymortgage.com
Brenda Leech, NMLS #329499, Academy mortgage Corporation, Tacoma, Phone: (253) 732-4448, Email: brenda.leech@academymortgage.com
Rick Price, NMLS #234989, Academy Mortgage, Tacoma, Phone: (253) 279-0670, Email: rick.price@academymortgage.com
Steven Wright, NMLS #201189, Eagle Home Mortgage, Puyallup, Phone: (253) 230-8622, Email: stevenwright@eaglehm.com
Jeff Wood, NMLS #698240, HomeStreet Bank, Gig Harbor, Phone: (206) 369-8939, Email: jeff.wood@homestreet.com

San Juan

Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net
Karin Koenig, NMLS #117039, Eagle Home Mortgage, Bellevue, Phone: (206) 459-1345, Email: karinkoenig@eaglehm.com

Skagit

Joshua Henry, NMLS #399700, Caliber Home Loans, Bellingham, Phone: (360) 224-0841, Email: joshua.henry@caliberhomeloans.com
Melanie S Pysden, NMLS #384009, Caliber Home Loans, Bellingham, Phone: (360) 543-8538, Email: PysdenTeam@CaliberHomeLoans.com

Skamania

See Clark

Snohomish

Cheryl Taylor, NMLS #792716, Fairway Independent Mortgage Corporation, Lynnwood, Phone: (206) 218-5825, Email: cheryl.taylor@fairwaymc.com
Jason Gosser, NMLS #120413, Guild Mortgage Company, Everett, Phone: (425) 330-1314, Email: jasong@guildmortgage.net
Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net

Spokane

Christy King, NMLS #487478, Wheatland Bank, Spokane, Phone: (509) 458-5965, Email: christy.king@wheatlandbank.com
Helen Pavlischak, NMLS #98701, HomeStreet Bank, Spokane Valley, Phone: (509) 939-0696, Email: helen.pavlischak@homestreet.com
Steve Morgensen, NMLS #506335, HomeStreet Bank, 201 W North River Drive, Spokane, 99201, Phone: (509) 723-8030, Email: steve.morgensen@homestreet.com
Matthew Riener, NMLS #42311, Premier Mortgage Resources, Spokane Valley, Phone: (509) 362-1453, Email: matt.riener@pmrloans.com
Roxanne Hyatt, NMLS #883332, Guild mortgage, Spokane, Phone: (509) 599-9305, Email: rhyatt@guildmortgage.net
Laura A. Wells, CMPS, NMLS #330328, Envoy Mortgage, Spokane, Phone: (509) 590-1438, Email: wellsgroup@envoymortgage.com
Terry A. Wiyrick, NMLS #190050, Umpqua Bank Home Loan Division, Spokane, Phone: (509) 842-9558, Email: terrywiyrick@umpquabank.com
Ty Windhorst, NMLS #934314, Heritage Home Loans, Spokane, Phone: (406) 360-0594, Email: ty@hhlnorthwest.com
Janice King, NMLS #90998, American Pacific Mortgage, Spokane, Phone: (509) 209-8524, Email: janice.king@apmortgage.com
Julia Hansen, NMLS #334756, Guild Mortgage, Spokane Valley, Phone: 509-994-4468, Email: jhansen@guildmortgage.net

Stevens

Christy King, NMLS #487478, Wheatland Bank, Spokane, Phone: (509) 458-5965, Email: christy.king@wheatlandbank.com
Janice King, NMLS #90998, American Pacific Mortgage, Spokane Valley, Phone: (509) 209-8524, Email: janice.king@apmortgage.com
Terry A. Wiyrick, NMLS #190050, Umpqua Bank Home Loan Division, Spokane, Phone: (509) 842-9558, Email: terrywiyrick@umpquabank.com
Helen Pavlischak, NMLS #98701, HomeStreet Bank, Spokane Valley, Phone: (509) 939-0696, Email: helen.pavlischak@homestreet.com

Thurston

Sunny Wilson, NMLS #505811, Eagle Home Mortgage, Puyallup, Phone: (425) 876-4959, Email: Sunnywilson@eaglehm.com
Brenda Leech, NMLS #329499, Academy mortgage Corporation, Tacoma, Phone: (253) 732-4448, Email: brenda.leech@academymortgage.com
Karin Koenig, NMLS #117039, Eagle Home Mortgage, Bellevue, Phone: (206) 459-1345, Email: karinkoenig@eaglehm.com

Wahkiakum

Cristie Stapp, NMLS #233065, Guild Mortgage Company, Seattle, Phone: (206) 310-3402, Email: cstapp@guildmortgage.net

Walla Walla

Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com

Whatcom

Joshua Henry, NMLS #399700, Caliber Home Loans, Bellingham, Phone: (360) 224-0841, Email: joshua.henry@caliberhomeloans.com
Melanie S Pysden, NMLS #384009, Caliber Home Loans, Bellingham, Phone: (360) 543-8538, Email: PysdenTeam@CaliberHomeLoans.com

Whitman

Laura A. Wells, CMPS, NMLS #330328, Envoy Mortgage, Spokane, Phone: (509) 590-1438, Email: wellsgroup@envoymortgage.com
Terry A. Wiyrick, NMLS #190050, Umpqua Bank Home Loan Division, Spokane, Phone: (509) 842-9558, Email: terrywiyrick@umpquabank.com
Matthew Riener, NMLS #42311, Premier Mortgage Resources, Spokane Valley, Phone: (509) 362-1453, Email: matt.riener@pmrloans.com

Yakima

Kim McAlpin, NMLS #9916, Wheatland Bank, Spokane, Phone: (509) 458-5967, Email: Kim.McAlpin@wheatlandbank.com
Mark Rowley, NMLS #507148, Banner Bank, Kennewick, Phone: (509) 735-0812, Email: mrowley@bannerbank.com

HOMECHOICE SERVICE PROVIDERS

Statewide

American Financial Solutions, 888-864-8699, www.myfinancialgoals.org

Parkview Services, Marnie Claywell, Phone# 206.745.1034 or Maya Ramp at 206.542.6644; Ext 118

Asotin County

Valley Residential Services, Nancy Riggle, 509-522-0400

Clark & Skamania Counties

Community Housing Resource Center, 360-690-4496 x100

Ferry County

Rural Resources Community Action, Jan Owens, 509-685-6179, www.ruralresources.org

King County

HomeSite, Staff member, 206-723-4355, www.homesightwa.org
Parkview Services, Marnie Claywell, 206-542-6644 ext 126, or Marc Cote’ 206-542-6644 Ext 128. www.parkviewservices.org
Urban League of Metropolitan Seattle, 800-368-1455

Pend Oreille County

Rural Resources Community Action, Jan Owens, 509-685-6179, www.ruralresources.org 

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, Marnie Claywell, 206-542-6644 ext 126, or Maya Ramp 206-542-6644 Ext 128, www.parkviewservices.org

Spokane County

The ARC of Spokane, Theresa Griffith, 509-328-6326, www.arc-spokane.org
Spokane Neighborhood Action Partners, 509-319-3041 www.snapwa.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, http://www.kulshanclt.org/

Other Counties

If there is no Service Provider located in your area, please refer to a service provider in a neighboring county or email Dietrich.Schmitz@wshfc.org.

QUESTIONS

If you have questions about the HomeChoice Downpayment Assistance Loan Program, please contact Dietrich Schmitz at 206-287-4459 or toll free at 800-767-4663, Ext. 459, or by e-mail Dietrich.Schmitz@wshfc.org.

    

 
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