Offers education workshops on home ownership strategies for people purchasing a home.   Also provides purchase assistance to future homebuyers. Interpreter services may be available for counseling appointments upon request.

Rural Home Loans Provides loans to help low-income individuals purchase homes in rural areas. Funds can be used to build, repair, renovate, or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities. Housing Repair Loans & Grants Provides loans to rural residents to repair, improve, or modernize homes or to remove health and safety hazards. Provides grants to remove health and safety hazards. Maximum loan is $20,000. Maximum grant is $7,500.

Offers loans and low-income homeowners to purchase, build (including sites, water, and sewer), repair, move, or modernize their dwellings.  Includes sweat-equity construction loan programs, guaranteed loans, and rural site housing programs.  = Rural Housing Guaranteed Loan = Applicants for loans may have an income of up to 115% of the median income for the area. Area income limits for this program are here. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.   = Rural Housing Direct Loan = Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to acquire, build (including funds to purchase and prepare sites and to provide water and sewage facilities), repair, renovate or relocate a home.    =  Mutual Self-Help Loans = The Section 502 Mutual Self-Help Housing Loan program is used primarily to help very low- and low-income households construct their own homes. The program is targeted to families who are unable to buy clean, safe housing through conventional methods. Families participating in a mutual self-help project perform approximately 65 percent of the construction labor on each other's homes under qualified supervision. The savings from the reduction in labor costs allows otherwise ineligible families to own their homes. If families cannot meet their mortgage payments during the construction phase, the funds for these payments can be included in the loan.

Offers early intervention for homeowners facing foreclosure to save their home with rescue loans.  Rescue loan program offers qualified homeowners deferred loans of up to $30,000 to keep families in their homes and in their communities. Homeowners will be referred to HomeSight to be assessed for consideration for a loan through a participating HUD approved counseling agency and receive free foreclosure prevention counseling.

Provides several affordable mortgage programs for eligible homebuyers throughout Washington state.   Programs offer low down payments, fixed low-interest rate loans, and in some cases down payment assistance and second mortgages.

Provides general information about Federal Housing Authority (FHA)-insured mortgages, which usually offer loans with lower interest rates and down-payments than standard mortgages. Monitors appraisals and specifications that must be met in order for a house to be eligible for purchase with an FHA-insured mortgage. Also offers assistance to homeowners with existing FHA-insured mortgages, by providing information and referrals to local HUD-approved housing counseling agencies. Counseling and information covers issues of mortgage delinquency, escrow account analysis, recertification, home repair and energy conservation.

Guarantees home loans made to service members, veterans, surviving spouses who are not re-married and reservists for the purchase or refinancing of homes, condominiums and manufactured homes.   VA also has direct home loans available for eligible Native American veterans.