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Once you’ve completed your training and have your reservation codes, you’ll use our online reservation portal, Lender Online.

Home Advantage is our most flexible program, with one income limit statewide. House Key Opportunity offers more help to households with lower incomes. Both programs offer multiple options for downpayment assistance. Find out more and compare here.

Yes, marijuana industry employment is acceptable for Fannie Mae loans.  Lender must follow all agency guidelines.

Is it possible that you changed companies and forgot to inform us? If so, please fill out this form and one of our staff will follow up with you. If not, please email homedocs@wshfc.org or call 206-287-4400 and ask for the Homeownership Division.

Please submit a reservation change request form. Once a reservation has been completed, the lender cannot make additional changes in Lender Online.

The Commission accepts DACA-status borrowers on the Home Advantage and House Key Opportunity FHA, VA, and Fannie Mae HFA Preferred products. DACA status borrowers are not eligible for Freddie Mac HFA Advantage loans and USDA.

The Commission does not have overlays. Please follow investor guidelines. 

To view loan status and conditions, login to Lender Online and use your reservation number to retrieve your reservation. From the Actions Menu select “View.” The following screen will provide current loan terms, status, outstanding conditions and the name of the Commission file reviewer.

Leasehold properties are acceptable with the exception of Manufactured Homes. Please follow agency underwriting guidelines.

If completed within the last six months, an inspection report given to the buyer from the seller or a previous buyer may be acceptable in lieu of a new inspection. The buyer must submit a written request to waive a new inspection along with a copy of the report. The buyer must state in the request that they reviewed the report, are satisfied with the condition of the property per the report, and hold the Commission harmless.

Please contact the servicer of the first mortgage loan to obtain a copy of the mortgage Note.

Once your loan is approved to close, you can locate the Legal Opinion Letter in Lender Online. Itis the second page of the DPA Commitment Letter.

Yes, we allow POAs. Follow agency guidelines and documentation requirements.

You may request either a digital copy or a certified printed copy of your MCC. Click here for instructions.

The Commission cannot provide payoff statements. Contact the borrower’s first-mortgage loan servicer directly for a payoff statement for both the first and the second mortgage loan, as they service both. If you are still unable to receive a payoff from the servicer, please contact the Commission.

The Home Advantage DPA program allows a borrower to own another home at time of closing per agency guidelines as long as: 1) it was not financed through the Commission, and 2) the borrower intends to occupy the new home. The House Key Opportunity program, however, requires the borrower to be a first-time homebuyer.

Email homedocs@wshfc.org or call 206-287-4400 and ask for the Homeownership Division.

Yes—if a borrower has misplaced their eHomeAmerica certificate, please email homedocs@wshfc.org for assistance.

ADUs are acceptable as long as the property is zoned and appraised as a one-unit property with an ADU. Under the House Key Opportunity program, a buyer may not rent out any portion of the home or ADU.

Here is a link to a video that might assist you.  We offer a no-cost quarterly web training for your back office staff (processors, closers). This will cover processing a Commission loan from start to finish. We’ll also review the navigation of the LenderOnline/Emphasys system. Find a class here.

Just keep using our loans! Our website showcases the top 10 loan producers from the previous calendar year as our Premier Partners, including a photo, brief profile, and contact information. We also highlight the top five LO’s in each region by quarter with a minimum of two Commission loans closed and purchased in the previous quarter.

We strive for 24 – 48-hour turnaround times, depending on loan file volume. We review files Monday through Friday excluding holidays and weekends. Check our current turn times on Twitter – posted every morning between 9 and 10 a.m.

No.  We only underwrite loans for the Commission’s own program guidelines (not TRID compliance).

Yes. All buyers who are on the Note and Deed of Trust, whether occupants or not, non-occupant co-borrowers, as well as occupant buyers, must complete a Commission-sponsored Homebuyer Education class prior to loan reservation.

Home Advantage allows non-occupant co-borrowers if allowed per agency guidelines, but House Key Opportunity requires all borrowers to occupy the subject property.

Yes. Double-wide or larger manufactured homes are eligible for FHA and USDA loans. For manufactured homes using Fannie Mae HFA Preferred or Fannie Mae MH Advantage, please follow FNMA guidelines. Manufactured homes are not permitted under the Freddie Mac HFA Advantage program. Please see the Commission Manufactured Home Matrix.

We have no overlays on this issue.  Please check with your own lending institution’s compliance department.

Our House Key FHA program allows single-unit condo project approval, but not our Home Advantage FHA program. Lenders to follow agency guidelines.

If your borrower has lived in the property they are purchasing for more than 12 months, they may write us a letter asking for a waiver. The letter should include an explanation of why they do not want an inspection and a statement that they are satisfied with the condition of the property and hold the Commission harmless.