Best of
5 Best WSHFC Mortgage Lenders of 2020
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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.
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 2020
| Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
|---|---|---|---|---|
Best for government loans & borrowers with credit issues | 620 | 3% | Read review | |
Best for government loans | 620 | 3% | Read review | |
Best for customer service | 620 | 3% | at Fairway | |
Best for customer service | 620 | 3.5% | at loanDepot | |
Best for borrowers with credit issues | 620 | 3% | Read review |
Guild Mortgage: NMLS#3274
Min. Credit Score
Min. Down Payment
PrimeLending: NMLS#13649
Min. Credit Score
Min. Down Payment
at Fairway
Fairway Independent Mortgage: NMLS#2289
Min. Credit Score
Min. Down Payment
at Fairway
at loanDepot
loanDepot: NMLS#174457
Min. Credit Score
Min. Down Payment
at loanDepot
Caliber: NMLS#15622
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 January 2, 2020
Methodology
NerdWallet's selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. 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 2020
- Guild Mortgage: Best for government loans & borrowers with credit issues
- PrimeLending: Best for government loans
- Fairway Independent Mortgage: Best for customer service
- loanDepot: Best for customer service
- Caliber: Best for borrowers with credit issues
