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

Find a Local Loan Officer

As low as 1%
down payment required*
Smart Start Boost available for down payment assistance*
No private mortgage insurance (PMI) required*
  • check-circleOnly 3% down payment required
  • check-circleSmart Start Boost available for down payment assistance*
  • check-circleNo private mortgage insurance (PMI) required*

Use Smart Start Boost 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
  • Smart Start Boost down payment assistance is a secured second lien.
  • Gift funds, seller contributions and down payment assistant program funds allowed

All loans subject to credit approval, additional terms and conditions may apply.
*Smart Start Boost is only available with the Smart Start Mortgage. Minimum down payment for the Smart Start Mortgage is 3% of the purchase price. Smart Start Boost funds may be used to reduce the 3% down payment to 1% of the purchase price, reduce your closing costs or to buy down your interest rate. Restrictions apply. Ask your loan officer for additional details and qualifications.

Do you qualify for our Smart Start Mortgage?
Where is the property you wish to purchase located?
Real estate agent and clients looking at paperwork in new home

Understanding the Smart Start Boost - WaFd Bank's Home Loan Down Payment Assistant Program

Learn how our Smart Start Down Payment Assistance Program works for low-to-moderate income individuals and/or families.

Read Article

Glossary

info-circleStill can't find what you are looking for? Contact your local branch or call us 24/7 at 800-324-9375.