First-time Home Buyer Loans

Our special programs and one-on-one guidance alleviate many challenges first-time home buyers experience. Keeping with the credit union philosophy, we help members gain knowledge to make the right mortgage decision for them. Columbia offers a variety of fixed and adjustable-rate mortgage options for first-time buyers, as well as FHA loans and the special programs below.

• Home buyer counseling available through the Community Housing Resource Center
• We attend loan closing with members to answer any last-minute questions

For more details contact our Home Lending team at 360.891.4128 or schedule an in-person appointment by clicking the button below.

First Time Home Programs

My Community Mortgage Program
This Fannie Mae sponsored program is ideal for first-time home buyers with limited savings for their down payment and closing costs. To be eligible members must meet Fannie Mae's Area Median Income limits.

• Up to a 40-year term available
• Gifts from family members and/or grants from non-profits, government agencies and employers allowed for a portion of the down payment and closing costs
• First-time home buyer counseling required