HOME BUYER PROGRAMS
• Home Advantage
• MCC
• House Key Opportunity
• Homebuyer Education
• Downpayment Assistance
• Premier Lenders
• Guide/Newsletter
• Counseling Providers
HomeChoice
Second Mortgage
Downpayment Assistance
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 Home Advantage first mortgage loan program or the House Key Opportunity loan program. One-on-one counseling is required.
How do I get 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 Karen Carlson-Bunce at Karen.Carlson-Bunce@wshfc.org or call 206-287-4413.
How do I qualify?
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 or the House Key Opportunity 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 01/01/2013*
King & Snohomish Counties: $86,700
Kitsap County: $73,100
Thurston County: $77,300
All Other Counties: $71,600
*Other requirements may apply. Please check with your lender or service provider to verify the limits. Manufactured homes only allowed with FHA, VA and USDA Rural Development financing. HomeChoice borrowers also must complete a Commission-sponsored homebuyer education seminar prior to reservation of funds.
Benefits
Downpayment 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 HomeChoice Downpayment 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
Axia Mortgage
Laurie Dennison, 425.502.5722, Lynnwood,
Laurie.Dennison@axiahomeloans.com
Gayle Stockton, 509.209.8291, Spokane,
Gayle.Stockton@axiahomeloans.com
Michelle Wickett, 360-459-1200, Lacey,
Michelle.wickett@axiahomeloans.com
Banner Bank
Christi Rivera Kile, 509 227-5493, Spokane,
ckile@bannerbank.com
Mark Rowley, 509-735-0812, Kennewick,
mrowley@bannerbank.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
Cornerstone Home Lending
Kelly Dodd, 206-369-5395, Federal Way, kdodd@houseloan.com
Crane Financial Mortgage
Paul Armstrong, 360-217-1009, Snohomish, paul.armstrong@craneloan.com
Eagle Home Mortgage
Val Hawryluk, 360-535-6000, Silverdale,
vhawryluk@eaglehomemortgage.com
Lin Helm, 206-940-7693, Seattle,
linhelm@uamc.com
Amber Page, 360-535-6018, Silverdale,
apage@eaglehomemortgage.com
Nancey Perry, 253-852-1840, Federal Way,
nperry@eaglehomemortgage.com
Christine Robison, 360-573-4112, Vancouver,
crobison@eaglehomemortgage.com
Paul Scobee, 425-455-0995, Kirkland,
pscobee@eaglehomemortgage.com
Evergreen Home Loans
Rochelle Gano, 360.281.1642 Vancouver,
rgano@evergreenhomeloans.com
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
Don Zender, 425-576-3702, Bellevue,
dzender@evergreenhomeloans.com
Guild Mortgage
Mike England, 206-271-3219, Tacoma,
mengland@guildmortgage.net
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
Rimma Israyelyan, 425-250-3100,Kirkland,
rimmai@guildmortgage.net
Joan Qvigstad, 360-271-5946, Poulsbo,
jqvigstad@guildmortgage.net
Cristie Stapp, 206-521-6104, Seattle,
cstapp@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
Mortgage Advisory Group CL-36212 & CL-378699
Rosa Briggs, 425-224-8017, Mill Creek,
rbriggs@magloans.net
Sandy Johnson MLO-75395, 425.224.8300, Mill Creek,
sjohnson@magloans.net
Nikki Sauve, MLO-373951, 296-459-7656, Woodinville,
nsauve@magloans.net
Karen Sibley, 425-224-8300
MLO-73827, Millcreek,
ksibley@magloans.net
Kim Thompson, 360-691-9437, Marysville,
kthompson@magloans.net
Cody Touchette, MLO-83216, 425-224-8308, Mill Creek,
ctouchette@magloans.net
Mountain West
Judy King, 509-879-4367, Spokane Valley,
jking@mountainwestbank.com
Nicole Shea, 509-953-8709, Spokane Valley,
nshea@mtnwb.com
Network Mortgage Services
Angela Cohen, 425-672-2810, Lynnwood,
angelac@networkhomeloans.com
Gerri Rasmussen, 425-248-2319, Lynnwood,
gerrir@networkhomeloans.com
Peoples Bank
Catherine Martyn, 360-678-5244, Coupeville, catherine.martyn@peoplesbank-wa.com
Pinnacle Capital Mortgage
Becky Sheets, 253-272-3322, Tukwila, BSheets@alpinemc.com
Republic Mortgage
Annette Schmidt, 253-347-5052, Tacoma, aschmidt@repmtg.com
Sound Mortgage, Inc.
Annika Day-Dunlap, 253-468-7535, Federal Way,
Annika.Dunlap@soundmtg.com
Stephen Dunlap, 253.691.4229, Federal Way,
stephen.dunlap@soundmtg.com
Sterling Bank
Tim
Christoffersen, 509-924-8100, Spokane,
Tim.Christoffersen@bankwithsterling.com
Gary Grissom, 509-893-3235, Spokane,
Gary.Grissom@bankwithsterling.com
Tracy Windhorst, 509.315.3332, Spokane,
tracy.windhorst@bankwithsterling.com
The Advisors Mortgage Banking
Fenja Swope, 509-457-6552, Yakima, fenjas@theadvisorsnw.com
Washington Trust
Jeff Berglund, 509-358-3702, Spokane,
jberglund@watrust.com
Charles Robeson, 509-353-3882, Spokane, crobeson@watrust.com
Wells Fargo
Kristi Cossette, 509-944-9414, Spokane Valley,
kristi.j.cossette@wellsfargo.com
Deborah Cote,
206-919-9335, Kirkland,
deborah.cote@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, 509-248-5270, www.apprisen.com
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 Services, 509-248-5270, www.apprisen.com
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, 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
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
Homeownership Center of Tacoma, Christina 253-627-6560
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 Marc Cote’ 206.542.6644 Ext 128,
www.parkviewservices.org
Spokane County
CORD,
Rhonda Monge, 509-326-6355 x 105
rhonda@cordwa.info
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-Bunce: Karen.Carlson-Bunce@wshfc.org
Questions about HomeChoice?
Please e-mail Karen Carlson-Bunce Karen.Carlson-Bunce@wshfc.org
05/20/2013