How to Apply

1. Your first step is to attend a free homebuyer seminar. 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 House Key Schools program. 

2. After the homebuyer educational course, a qualified
​Home House Key Schools 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 recommended 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.

Check back often for updates to the House Key Schools program:

House Key Schools Information 

House Key Schools

Helping educators and school employees achieve homeownership. 

Washington Housing Association thanks all those who work in our local schools.  House Key Schools is a brilliant downpayment loan program that offers funds up to $10,000 for teachers and employees of community & technical colleges, and K-12 public & private schools.  Many of our class attendees have taken advantage of this program.  We discuss the House Key Schools second mortgage loan program in all of our Commission-sponsored home buyer seminars.  If you are planning on purchasing a home in the state of Washington sometime now or in the near future, it is crucial that you educate yourself prior to making an offer on a home. 

Housing Academy

The House Key Schools Program is amazing!  This second mortgage loan program has a 3% interest rate with a 10 year loan term.  House Key Schools is designed for educators and employees of community & technical colleges, and K-12 public & private schools that are accredited or recognized by the state of Washington.  

Borrowers must qualify for the Home Advantage first mortgage loan program and attend a Commission-sponsored homebuyer seminar prior to reserving funds.  Cash back to borrowers is not allowed. 

Loan Amount

Eligible households may qualify for a maximum loan amount of up to $10,000.  A participating loan officer can help you determine your approval amount, closing costs, and how much you can borrow on a House Key Schools loan program. 

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

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

To qualify you must be a first-time homebuyer or buying in a targeted area.  The definition of a first-time homebuyer is someone who has not owned a home in the last three years.

Further restrictions may apply.  Interest rates subject to change daily. E-mail us or call 425-390-INFO for more information regarding the House Key Schools Loan Program.