Covenant Home Loan
Move first, sell later. Bridge the gap between your current home and your next one — with flexible financing designed for confident home transitions.
What Is the Covenant Home Loan Program?
The Washington State Housing Finance Commission (WSHFC) Covenant Home Loan Program was designed to help qualified first-time home buyers overcome the down payment barrier created by historical housing discrimination.
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Eligible buyers may receive:
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Up to $150,000 in down payment assistance
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0% interest, deferred repayment
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No monthly payment on the assistance
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Compatible with fixed-rate first mortgage programs
For many buyers in Snohomish County, this program can mean the difference between continuing to rent and owning a home.
Who This Program Is For
You may be a strong candidate if you:
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Are a first-time home buyer
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Plan to buy a primary residence in Washington State
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Meet WSHFC income and program guidelines
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Want expert guidance to avoid costly approval mistakes
This program is not automatic. Incorrect income calculations, heritage documentation, loan structuring errors, or poor pre-approvals can delay or derail your purchase (which, sadly we see a lot in the community, that is why it's important to work w/ a local professional like our Team that understands this program).
Why Work With Dan Keller, Snohomish County Covenant Home Loan Expert and Instructor
Not all lenders understand how to properly structure Covenant loans.
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Dan Keller is a top-producing Washington mortgage advisor with deep expertise in:
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Review all WSHFC loan programs
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Covenant Home Loan compliance
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Accurate income and eligibility analysis
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Pre-approvals that hold up in competitive offers
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Clear communication with Realtors and listing agents
Buyers and Realtors trust Dan Keller because Covenant loans must be done right the first time.
How To Apply For A Washington State Covenant Home Loan with Dan Keller
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Complete Our Secure Online Application
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Dan Keller and team to review application (24-hours or less)
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Set meeting to review clear explanation of your Covenant options
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Give you estimated monthly payment and closing costs scenarios
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Shop confidently for a new home with you Covenant pre-approval
No pressure. No guesswork. Just results from an 18-year mortgage professional!