HABITAT FOR HUMANITY HOME LOANS
Your Path to An Affordable Home
Our Habitat for Humanity home loans are built to support families purchasing a Habitat home in our Clallam, Jefferson, and Whatcom communities. These programs offer more affordable financing options for eligible households, including those earning up to 100% of the Area Median Income (AMI).
Affordable Financing Tailored to Habitat Families
Our Habitat for Humanity lending options are tailored to serve a wide range of qualifying households.
Available to households earning up to 100% of the Area Median Income (AMI)
30-year fixed-rate conventional loans for stable, predictable payments
Created to support Habitat for Humanity families in our local communities
Area Median Income (AMI) is a number used to determine whether a household qualifies for certain affordable housing programs. It varies based on where you live and how many people are in your household.
If you’re unsure where your income falls, one of our mortgage team members can walk you through the guidelines and help you understand which programs you may qualify for.
Habitat for Humanity Loan Options
We offer two Habitat for Humanity loan options: the First Fed Habitat for Humanity Portfolio Loan and the Washington State Housing Finance Commission (WSHFC) Housekey Loan. Our lenders can help you understand how each program works and determine which option is the best fit for your situation.
Both loan programs share several key features designed to support Habitat homebuyers:
30-year fixed-rate
conventional mortgage
for predictable monthly payments
Eligibility for income-qualified borrowers, with options available up to 100% of Area Median Income (AMI) depending on the loan.
Specialized pricing based on borrower income, helping make financing more affordable
These lending programs help expand access to stable, long-term financing for qualifying Habitat for Humanity families. Our lending team is here to guide you through the requirements and next steps.
Program availability, terms, and eligibility criteria are subject to change. Additional underwriting and credit qualifications apply.
Get Started
If you’re a Habitat for Humanity homebuyer or working with a local Habitat affiliate, we’d love to help you explore lending options:
- Connect with your local Habitat for Humanity affiliate to see if you qualify: Clallam County, Jefferson County, Kitsap County, King County, and Whatcom County.
- Reach out to a First Fed mortgage lender to review program details and income guidelines
- Learn which Habitat for Humanity lending option may be the best fit for your situation