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Ferry/Pend Oreille/Stevens


With Rural Resources, the dream of home ownership is within your reach.

We offer education and counseling to connect first-time homebuyers of all income levels to the information and resources you need. We also provided counseling and assistance in linking first-time homebuyers to a variety of different down-payment assistance programs and home loans, including:

Washington State Housing Finance Commission’s House Key Loan: A below-market interest rate mortgage loan program for people who have not owned and occupied a primary residence at any time in the past three years. Borrowers must meet the program income and acquisition cost limit and attend and complete a commission-certified homebuyer education seminar. This loan program can be used with FHA, VA, conventional and Rural Housing Services loan programs.

House Key Teacher: For K-12 classroom teachers or administrators, including principals, vice principals, librarians, counselors, nurses, etc.

Home Choice: This program offers up to $15,000 in down payment assistance for people with disabilities or who have a family member with a disability living with them; one-on-one housing counseling is required.

House Key Plus: A down payment assistance program that provides funds for closing costs, pre-paid expenses and down payment up to $5,000, based upon need.

House Key Rural: A down payment assistance program for borrowers living in rural communities who earn 80 percent or less of their county’s area median income based on family size. Down payment assistance is up to $10,000 or 6 percent of the purchase price, whichever is greater.

HomeStart Savings Program: Offered through a partnership between your local financial institutions and the Federal Home Loan Bank of Seattle to help first time homebuyers accumulate funds for down payment and closing costs. Your savings are matched three to one up to $5,000.

Rural Guaranteed Housing Loans: Loans are up to 100 percent of market value and may include closing costs.

USDA Rural Housing Loans: Federal funds to finance homes purchased in small towns for low-income borrowers.