First-Time Home Buyer Programs | Denae Gulling Realtor
Denae Gulling Realtor

Your Guide to First-Time Homeownership in Washington State

I'll help you navigate every program and grant to make your dream home a reality

Start Your Journey Today

Fill out this form and I'll personally reach out to discuss which programs you qualify for

Why Work With Me?

Your Expert Guide to First-Time Home Buying

As a Washington State real estate professional specializing in first-time home buyers, I've helped hundreds of families navigate these programs successfully. I know exactly which programs you qualify for and how to maximize your benefits.

Most first-time buyers leave thousands of dollars on the table because they don't know about all the programs available. I make sure that doesn't happen to you. From the initial application to closing day, I'm with you every step of the way.

Let's Talk About Your Options

Washington State Programs I Can Help You Access

Comprehensive assistance programs that can save you thousands

Low Interest Rates

Home Advantage Program

  • 30-year fixed-rate mortgages with competitive interest rates
  • Available for first-time buyers or those who haven't owned in 3 years
  • Can combine with down payment assistance
  • Works with FHA, VA, USDA, and conventional loans
  • Purchase single-family homes, townhomes, condos, and manufactured homes
  • I'll help you complete the required education course
Lower Income Support

House Key Opportunity

  • Designed for homebuyers with lower incomes
  • Must be paired with down payment assistance
  • More restrictive income limits than Home Advantage
  • Available with FHA, VA, USDA, and Fannie Mae programs
  • Higher balance loans permitted in high-cost areas
  • I'll ensure you meet all requirements
Up to $15,000

Down Payment Assistance

  • Get up to $15,000 for down payment
  • Low 1% interest rate, deferred 30 years
  • Multiple programs available
  • Veterans programs up to $10,000
  • Disability assistance programs
  • I'll help you stack multiple programs

Covenant Homeownership Program

A Historic Program Addressing Past Housing Discrimination

Washington State's groundbreaking program provides 0% interest assistance to families impacted by historical housing discrimination. If you or your family lived in Washington before 1968, you may qualify for this exceptional benefit.

0%
Interest Rate
$$$
Down Payment Assistance
Forgiven
After 5 Years (If Eligible)

You May Qualify If:

  • You or a parent/grandparent/great-grandparent lived in Washington before April 11, 1968
  • That person is/was Black, Hispanic, Native American, Alaska Native, Native Hawaiian, Pacific Islander, Korean, or Asian Indian
  • You meet the first-time homebuyer definition (no home ownership in past 3 years)
  • Your income is at or below 140% of Area Median Income for your county
  • You can provide documentation of residency and heritage

How I Can Help:

  • Determine if you qualify for the Covenant Program
  • Help gather required documentation
  • Connect you with approved lenders who specialize in this program
  • Stack this with other programs to maximize your benefits
  • Guide you through the entire application process

Additional Local Programs

More options depending on where you want to live

Seattle

Seattle Area Programs

  • HomeSight: Up to $70,000 assistance
  • Parkview Services: Up to $110,000
  • Homestead Community Land Trust: $50K-$100K below market
  • Special programs for ITIN borrowers
  • I have established relationships with these organizations
Up to $8,000

BECU Member Grant

  • $8,000 grant for BECU members
  • Must use as primary residence
  • 3-year occupancy requirement
  • I'll help you navigate the application
Green Homes

EnergySpark Program

  • Additional interest rate discount
  • For energy-efficient homes
  • New or upgraded existing homes
  • I can identify qualifying properties

How I Guide You Through The Process

A proven 6-step system to get you into your first home

1

Initial Consultation

We'll discuss your goals, timeline, and financial situation. I'll explain which programs you likely qualify for and create a personalized action plan.

2

Program Selection

I'll help you identify every program you qualify for and show you how to maximize your benefits by combining multiple programs.

3

Education & Documentation

I'll guide you through required homebuyer education courses and help gather all necessary documentation for your applications.

4

Lender Connection

I'll connect you with my network of approved lenders who specialize in first-time buyer programs and get you pre-approved.

5

Home Search

We'll find homes that meet your needs and qualify for the programs you're using. I know exactly what to look for.

6

Closing Support

I'll be with you from offer to closing, ensuring all program requirements are met and your benefits are maximized.

What My Clients Say

Real success stories from first-time home buyers I've helped

"

"Denae helped us access programs we didn't even know existed. We saved over $12,000 on our down payment and got a great interest rate. Couldn't have done it without her!"

- Sarah & Mike T.

"

"As a first-time buyer, I was overwhelmed by all the options. Denae walked me through every step and helped me qualify for the Covenant Program. I'm now a proud homeowner!"

- Jennifer L.

"

"Professional, knowledgeable, and patient. Denae made the home buying process so much easier than I expected. She knows these programs inside and out."

- David R.

Ready to Become a Homeowner?

Don't navigate these programs alone. With my expertise and guidance, you'll maximize your benefits and find the perfect home. Let's schedule your free consultation today.

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Call or Text (253) 300-9744
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Schedule Online Book Consultation