Housing Academy


Living with a disability should not limit your choices.


By far one of the most brilliant second mortgage loan options in Washington state! HomeChoice is a downpayment assistance (DPA) loan program designed for qualified borrowers who have a disability or a family member with a disability living with them. Washington Housing Association loves serving all those living with a disability.  This downpayment loan program is unique and provides confidence and freedom.  We discuss the HomeChoice loan program in our homebuyer educational class, as well as the entire process of purchasing a home in the state of Washington.   If you or someone you know is living with a disability and desires a home of their own, then please join us by attending our free educational seminar. 

How to Apply

1. Your first step is to attend a free homebuyer class. Washington Housing Association will educate you on the process of purchasing a home in the state of Washington.  No solicitation is allowed in the classroom.  Your information is not sold or distributed.  At the end of your class you will receive a certificate that is valid for two years and is a requirement of the HomeChoice Program.  

2. After the homebuyer educational course, a trained HomeChoice loan officer will coordinate your pre-approval.  All your loan options will be presented at this time.  How much you qualify for will be answered. E-mail us if you have any questions regarding our preferred loan officers.  

3. At this point you should either have a pre-approval or at least instructions on what you need to do in order to obtain one. The key principles that you learned in the homebuyer seminar now start to pay off!  Your real estate professional and loan officer will coordinate the process of locating, financing and closing on your new home.

Visit us often for updates to this, and other, programs:


Several renters in the state of Washington are living with a disability or a family members with disabilities.  Both children and adults are affected by disabilities that range from physical impairment, hearing impairment, chronic pain and other mental disabilities, including depression and autism.  There are many other disabilities as well.  Coordinating all these critical challenges is very difficult for some people.  However, owning a home should be achievable, including to those living with disabilities.  

HomeChoice is a downpayment assistance, secondary mortgage loan option 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.  One-on-one counseling is required and borrowers must attend a free homebuyer educational course

This downpayment loan program is designed for low-to-moderate income people with a disability or who have a family member with a disability living with them and qualify for the Home Advantage first mortgage loan program.  A 1% interest rate on the DPA program for first-time home buyers.  The definition of a first-time homebuyer is someone who has not owned a home in the last three years.  Manufactured homes only allowed with FHA, VA and USDA Rural Development financing. If you purchase a home in a TARGETED AREA you do not have to be a first-time homebuyer. 

Annual Income Limits (as of 1/1/13):

  • King & Snohomish Counties: $86,700
  • Kitsap County: $73,100
  • Thurston County: $77,300
  • All other Counties: $71,600


Further guidelines may apply.  Please e-mail us or call 425-390-INFO for more information regarding HomeChoice.