Mature man in home kitchen sorting the home finances on laptop, talking on cell phone

There's no place like home.

You might be surprised how easy it is to make your move with a Smart Start home loan from WaFd Bank.

Owning a home is more than just hype; an affordable home is the gateway to long-term and short-term financial success.

Long-term, you'll build equity you can use in the future and short-term, you'll be able to enjoy potential tax deductions and pay yourself instead of paying rent. Plus, WaFd Bank is a Portfolio Lender, which means that we're here with you for the life of your loan.

Ready for a smart start? Meet with a WaFd Mortgage Banker to find out how we can help you get into your first home.

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Only 3%

down payment required

$5000 grant available for down payment*

No mortgage insurance (PMI) required*

We pay

the appraisal fee on your new home*

Only 3% down payment required
$5000 grant available for down payment*

No mortgage insurance (PMI) required*
We pay the appraisal fee*

Use grant funds toward your down payment, closing costs, or to buy down your interest rate to lower your monthly payments.

Program/Eligibility Information:

Credit score 640 and above
Household income limits apply
Must be used for purchase of primary residence
Application required for grant.* Appraisal fee is waived only for approved grant recipients
Gift funds, seller contributions and down payment assistant program funds allowed

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All loans subject to credit approval, additional terms and conditions may apply.
*Grant funds are not guaranteed. Restrictions apply.

Do you qualify for our Smart Start Mortgage?

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Real estate agent and clients looking at paperwork in new home

Understanding WaFd Bank's Smart Start Home Loan (Down Payment Assistance Program)

Learn how our Smart Start Down Payment Assistance Program works for low-to-moderate income individuals and/or families and how you can receive a $5,000 grant towards your down payment.

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