7 Best WSHFC Mortgage Lenders of 2021
The WSHFC aims to expand the access and affordability of housing in Washington. Here are some of the highest-rated WSHFC-affiliated lenders we’ve reviewed.
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The WSHFC is a state housing agency that aims to expand access to and affordability of housing in the Evergreen State. Officially called the Washington State Housing Finance Commission, WSHFC works with participating lenders to offer first-time home buyer loan programs. Benefits can include thousands of dollars in down payment assistance.
The agency works with a long list of lenders — so many that it might be difficult to know just where to start. NerdWallet has researched WSHFC-affiliated lenders and found and reviewed the highest-rated lenders. We've also noted some of the high-volume mortgage originators that underwrite WSHFC-sponsored loans.
The WSHFC is a state housing agency that aims to expand access to and affordability of housing in the Evergreen State. Officially called the Washington State Housing Finance Commission, WSHFC works with participating lenders to offer first-time home buyer loan programs. Benefits can include thousands of dollars in down payment assistance.
The agency works with a long list of lenders — so many that it might be difficult to know just where to start. NerdWallet has researched WSHFC-affiliated lenders and found and reviewed the highest-rated lenders. We've also noted some of the high-volume mortgage originators that underwrite WSHFC-sponsored loans.
Summary of Best WSHFC Mortgage Lenders of 2021
| Lender | NerdWallet Rating | Min. Credit Score | Min. Down Payment | Learn More |
|---|---|---|---|---|
 New American Funding: NMLS#6606 Learn more at New American Funding | Best for first-time home buyers | 620 | 3% | Learn more at New American Funding |
 Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for customer service options | 620 | 3% | Learn more at Fairway Independent Mortgage |
 loanDepot: NMLS#174457 Learn more at loanDepot | Best for customer service options | 620 | 5% | Learn more at loanDepot |
 Guild Mortgage: NMLS#3274 | Best for borrowers with lower credit scores | N/A | 3.5% | Read review |
 PrimeLending: NMLS#13649 | Best for government loans | 580 | 3.5% | Read review |
 Caliber: NMLS#15622 | Best for borrowers with lower credit scores | 580 | 3.5% | Read review |
 Homebridge: NMLS#6521 | Best for online capabilities | 620 | 3% | Read review |
at New American Funding
New American Funding: NMLS#6606
Min. Credit Score
Min. Down Payment
at New American Funding
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289
Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
at loanDepot
loanDepot: NMLS#174457
Min. Credit Score
Min. Down Payment
at loanDepot
Guild Mortgage: NMLS#3274
Min. Credit Score
Min. Down Payment
PrimeLending: NMLS#13649
Min. Credit Score
Min. Down Payment
Caliber: NMLS#15622
Min. Credit Score
Min. Down Payment
Homebridge: NMLS#6521
Min. Credit Score
Min. Down Payment
More WSHFC participating mortgage lenders
These are among the high-volume WSHFC-approved lenders in Washington. The lenders haven't been reviewed by NerdWallet.
Headquartered in Seattle with over two dozen home loan centers in the state.
A dedicated loan officer guides the process from application to closing.
Offers a “shared appreciation” equity investment program that can cut your down payment in half in exchange for an equity stake in your home.
A guaranteed financing commitment reinforces your purchase offer and can help speed closing.
You can start your loan application online.
If you don’t have a real estate agent, Evergreen will help you find one.
Banking customers can receive a $500 discount on their home loan.
It was founded in Oregon, but it's also a top-10 mortgage lender in Washington.
No origination fee on certain loans.
Offers a digital mortgage process from your phone, tablet or laptop.
Get pre-qualified in as little as 10 minutes.
A first-time home buyer guide helps you prepare for the process.
More from NerdWallet
Last updated on August 30, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best WSHFC Mortgage Lenders of 2021
- New American Funding: Best for first-time home buyers
- Fairway Independent Mortgage: Best for customer service options
- loanDepot: Best for customer service options
- Guild Mortgage: Best for borrowers with lower credit scores
- PrimeLending: Best for government loans
- Caliber: Best for borrowers with lower credit scores
- Homebridge: Best for online capabilities
