Special Loan Programs

Special Loan Programs: House Key Program

The House Key Program is a first-time homebuyer program sponsored by the Washington State Housing Finance Commission (WSHFC). Eligible borrowers can apply for a 30-year fixed-rate FHA, VA, or conventional loan through this program to receive a below-market fixed interest rate. Rates are determined by the WSHFC and do not fluctuate like standard conventional interest rates.

Borrower Requirements

• You must first qualify for a mortgage loan according to FHA, VA or conventional loan standards
• You must be a first-time homebuyer or purchasing property within one of the WSHFC House Key targeted areas
• You must meet the program income and acquisition cost limits
• You must attend a homebuyer education seminar

For more information about this program, contact an Affinity Lending Center near you.

Borrowers who participate in the House Key Program may also be eligible for down payment assistance through the House Key Plus Program or the House Key Plus-Seattle program.