State and Local Housing Programs

Programs are currently suspended due to no bond funding. Please visit www.wshfc.org for more information regarding these programs

Many state, county and local government programs offer financing for qualifying low-to-moderate income families wishing to purchase their first home. Loan assistance programs like Mortgage Credit Certificate (MCC) offer a partial tax credit for interest on the loan.

These programs typically offer:

  • More relaxed qualifying guidelines
  • Lower upfront fees
  • Lower interest rate
  • Fixed rate