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First-time Home Buyer

Our special programs and one-on-one guidance alleviate many challenges first-time home buyers experience. Keeping with the credit union philosophy, we help first-time home buyers gain knowledge to make the right mortgage decision for them. Plus, we attend the loan closing to answer any last-minute questions.

Columbia offers a variety of fixed and adjustable-rate mortgage options for first-time buyers.

For more details contact our Home Lending team at 360.891.4028 or schedule an in-person appointment by clicking the button below.


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HomeReady® Mortgage Program

Don’t let a cash down payment stop you from reaching your homeownership goal! The HomeReady® Mortgage offers first-time home buyers a low down payment, gifted funds and more:

  •  Super affordable – 3% down payment!
  •  Down payment funds can be gifted
  •  Fixed rates loan with terms up to 30 years
  •  No first-time home buyer education required
  •  Buy or refinance – it’s the low down payment option that’s perfect for first-time and previous home buyers!

Available for primary residence purchases only with LTV ratios greater than 95% up to 97%. Not available for manufactured homes. At least one borrower must be a first-time home buyer.