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Home Advantage ProgramHomeChoiceHomeChoice


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. One-on-one counseling is required.


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 or call 206-464-7139 or 800-767-4663.


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 05/04/2016*

King/Snohomish $90,300

Kitsap $78,100

Thurston $73,600

All Other Counties: $73,300

* 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.


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.


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:

Absolute Mortgage

Laurie Dennison, 425-771-2311, Lynnwood,
Lynda Myrick-Willis, 425-771-2311, Seattle,

Academy Mortgage

Roxanne Hyatt, 509-340-1958, Spokane, 
Kristi LaCroix, 509-340-1962, Spokane,
Brenda Leech, 253.732.4448, Tacoma, 
Mel Patterson, 253-761-2929, Tacoma 
Annette Schmidt, 253-347-5052, Tacoma, 
Mark Wrenn, 509-340-1955, Spokane, 

AmericanWest Bank

Christy King, 509-434-3798, Spokane,
Kimberly McAlpin, NMLS #9916, 509-434-3779, Spokane

Axia Mortgage

Michelle Wickett, 360-791-0513, Lacey,

Banner Bank

Christi Rivera Kile, 509-227-5493, Spokane,
Mark Rowley, 509-735-0812, Kennewick,

Bay Equity

Melissa Holt, 253-444-4725, Federal Way,

Caliber Home Loans

Kim Aldrich, 360-379-1261, Port Townsend,
Jennifer Edwards, 253-592-6058, Tacoma, 
Rochelle Gano, 360-281-1642, Vancouver, 
Jolene Messmer, 425-445-1945, Bothell, 
Keane Ng, 206-650-4041, Tukwila
Chequeta Nutt, 360-666-6888, Vancouver,

Eagle Home Mortgage

Lin Helm, 206-940-7693, Seattle,
Rich Howard, 425-602-6079, Bellevue,
Christine Robison, 360-573-4112, Vancouver,

Envoy Mortgage

Laura Wells, MLO-330328, 877-862-8362, Spokane,

Evergreen Home Loans

Leslie Girard, 360-260-6979, Vancouver,
Jennifer Hatch, 360-907-8086, Vancouver,
Amber Page, 360-731-1163, Silverdale,
Paul Scobee, 206-440-1000, Seattle, 
Kareen Young, 206-304-5114 Federal Way,
Don Zender, 425-576-3702, Bellevue,

Fairway Mortgage

Peter Kuzmenko, 253.265.9258, Gig Harbor,
Phil Ross, 425.260.8999, Gig Harbor,

First Security Bank

Nora Aladieff, 253.359.2377, Puyallup,

Guild Mortgage

Nanci Denney, 360-630-9000, Seattle,
Mike England, 206-271-3219, Tacoma,
Michael Fornerette, 253-830-2323, Tacoma,
Jason Gosser, 425-330-1314, Lynnwood,
Julia Hansen, 509-279-2320 ext. 23, Spokane Valley,
Ron Hanson, 360-402-4697, Olympia,
Josh Henry, 360-746-8328, Bellingham,
Rimma Israyelyan, 425-250-3100,Kirkland,
Sandi Milohov, 360-270-9192, Vancouver,
Cristie Stapp, 206-310-3402, Seattle,

Heritage Home Loans

Ty Windhorst, 509-252-4000, Spokane,

LeaderOne Financial, Inc.

Annika Day-Dunlap, 253-838-5100, Federal Way,

Mountain West

Judy King, 509-879-4367, Spokane Valley,
Jason Northcutt, 509-944-4098, Spokane Valley, 

Network Mortgage Services

Angela Cohen, 425-672-2810, Lynnwood,
Gerri Rasmussen, 425-248-2319, Lynnwood,

Prime Lending

Landie Chappell, 509-326-8800, Spokane,

Prospect Mortgage

Michelle Swanson, 425-776-1450, Bothell/Snohomish,

Salmon Bay Community Lending

Kim Toskey, MLO-184361, 206-557-7412,

The Advisors Mortgage Banking

Fenja Swope, 509-457-6552, Yakima,

Umpqua Bank

Debra McCloud, 360-449-8012, Vancouver,
Angie Stillman, 360-258-3532, Vancouver,
Terry Wiyrick, 509-842-9558, Spokane

Veterans United

Glenn Leach, Puyallup, MLO #112932, 253-617-6200 Ext 7023,

Wells Fargo

Jacqueline Pethers, NMLSR 583067, 509-323-5325, Spokane, |
Trisha Reiter, NMLSR 140594, (253) 945-1230, Federal Way | 
Brent Schoeppel NMLSR 404618, 253-274-4905, Tacoma, |


Adams County

CCCS- Apprisen Financial Advocates, 509-248-5270,

Asotin County

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

Benton & Franklin Counties

Consumer Credit Counseling Services, 509-248-5270,

Chelan County

CCCS- Apprisen Financial Advocates, 509-248-5270,

Clallam & Jefferson Counties

American Financial Solutions, 888-864-8699,

Clark & Skamania Counties

Community Housing Resource Center, 360-690-4496 x100

Ferry County

Rural Resources Community Action, Jan Owens, 509-685-6179,

Franklin & Benton Counties

Consumer Credit Counseling Services, 509-248-5270,

Grant & Lincoln Counties

CCCS- Apprisen Financial Advocates, 509-248-5270

King County

Apprisen Financial, Redmond, Greg 1-800-355.2227 ext 1372
Homestead Community Land Trust, Staff member, 206-323-1227,
Parkview Services, Marnie Claywell, 206-542-6644 ext 126, or Marc Cote’ 206-542-6644 Ext 128.
Urban League of Metropolitan Seattle, 800-368-1455

Kittitas County

CCCS- Apprisen Financial Advocates, 509-248-5270,

Kitsap, Mason & Grays Harbor Counties

American Financial Solutions, 888-864-8699,

Okanogan County

Okanogan County Community Action, Staff member, 509-422-4041

Pend Oreille County

Rural Resources Community Action, Jan Owens, 509-685-6179, 

Pierce County

Apprisen Financial, University Place, Susan 253-588-1858 x1360
Homeownership Center of Tacoma, Christina 253-627-6560
South Sound Outreach Tacoma, Ashley (253) 593-2111

San Juan County

Opal Community Land Trust, Julie Brunner, 360-376-3191,

Snohomish County

Homestead Community Land Trust, Staff member, 206-323-1227, 
Parkview Services, Marnie Claywell, 206-542-6644 ext 126, or Marc Cote’ 206-542-6644 Ext 128,

Spokane County

The ARC of Spokane, Theresa Griffith, 509-328-6326,

Stevens County

Rural Resources Community Action, Jan Owens, 509-685-6179, 

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, 

Yakima County

CCCS- Apprisen Financial Advocates, 509-248-5270,

If there is no Service Provider located in your area, please refer to a service provider in a neighboring county or email


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


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