ARE YOU BUYING YOUR FIRST HOME IN WASHINGTON?
Few first-time buyers have saved enough for a 20% down, but the good news is that you really don’t need that much. Borrowers can often get into a new home with as little as 3% or even 0% down. Most low down payment programs also let you use gifted money or down payment assistance (DPA) to cover your down payment and closing costs. Depending on your mortgage loan, you could potentially get into a new house with minimal cash out of pocket.
At 1st Security Bank, we offer custom loan programs designed to reduce costs and interest rates for buyers. The Home Advantage Program is open to first-time and repeat buyers who purchase within the state of Washington. They can qualify with household income under $180,000 (regardless of family size or location) and by completing a homebuyer education class.
Specialty Programs:
- Home Advantage DPA - Up to 5% of the 1st mortgage loan amount with simple interest.
- HouseKey Opportunity DPA - Up to $15,000 loan amount with simple interest.
- Both programs feature deferred repayment until the time of sale, transfer, refinance, an early payoff of the 1st mortgage, it is no longer a primary residence or after 30 years.
We specialize in serving communities with unique properties and supporting borrowers who may need down payment assistance programs.
As a local bank, we have the flexibility to offer financing options outside of the standard lending criteria for these unique situations.
Take the next step, together:
Let's find a plan that fits your budget—and get you home.
First-time Homebuyer Loan Officers - Washington Housing
Tara K Brown
Ellensburg Home Lending
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NMLS# 487445 114 W 4th Ave, Suite 208 Phone: |
I am focused on helping you obtain a loan that is affordable and allows you to achieve your goals. Plus, I’ll keep you informed every step of the way. I can get started online, in-person or over the phone. I want to work on your schedule — when it’s most convenient for you. Whether you are purchasing or refinancing, I value your business. What is most important to me is having your best interest at heart. I look forward to working with you reach your home financing goals. |
Mike Lindsay
Lacey Home Lending
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NMLS# 109067 601 Woodland Sq Lp SE Phone: |
Over the past 25 years Mike has worked in every part of the mortgage industry, including owning a mortgage brokerage, and has helped many individuals and families obtain their goal of home ownership. Whether you're buying your first home, purchasing your dream home or refinancing; there is a lot riding on your choice of loan officer. MIke has the experience, knowledge and drive to provide you customized solutions, great rates, and low costs. Mike loves a challenge. He will look at the big picture to organize the process into manageable pieces to help you achieve your goals. Born in Idaho, MIke has lived in the Pacific Northwest for the past 32 years. He and his wife love to spend time with their three daughters and three German Shepherd dogs. He enjoys hiking the beautiful Pacific Nortwest and traveling with his family in a custom Sprinter van. He is a fan of all local sports teams, enjoys reading books and listening to podcasts. |
Shy-Anne Haney
Lacey Home Lending
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NMLS# 1067843 601 Woodland Sq Lp SE Phone: |
1st Security Bank is a relationship-driven financial services company committed to returning value to our stakeholders. We deliver home lending, banking and financial services to local families, regional businesses and industry niches in a manner that “wows” customers so much they become champions for the Bank and actively promote the Bank to others. Welcome to 1st Security Bank, I look forward to working with you. |
Linda Mariani
Vancouver Home Lending
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NMLS# 1492162 1111 Main Street Phone: |
With over 20 years in the mortgage business, covering a variety of specialties, Linda Mariani brings the seasoned experience and knowledge that her clients can trust. Linda’s goal with every client is to educate first, so expectations are met and satisfaction is achieved. She understands the demands of lending and strives to make the entire mortgage process as smooth as possible for her clients. Earning a referral from a client is not only an essential part of her business, but a sign that she has made a client happy, throughout the lending process – from start to finish. When not assisting her clients, Linda spends her spare time enjoying family and friends, Oregon State University sporting events, cooking, shopping, and camping. For more information about how Linda can help you have the home financing experience you’re looking for, contact her today. |
Sheena Stemple
Tri-Cities Home Lending
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NMLS# 185610 8486 W Gage Blvd Suite A Phone: |
Sheena joined 1st Security Bank as a Loan Officer in 2014. She has over twenty years of experience in the lending industry. Her journey began at a local Escrow Company, where she worked her way to the mortgage side, first in funding, then processing, and ultimately discovered her passion in lending sales. A graduate of SouthRidge High School, Sheena attended Columbia Basin College while working in the Mortgage Industry and calls Tri-Cities her home. She is dedicated to finding right fit portfolio products for her clients and creatively uses her vast knowledge of loan programs - from Conventional, to FHA, VA, USDA, 1st Time Home Buyers with down payment assistance needs, Custom Construction, lot loans, and all those that don’t fit in the box – to achieve this goal. Her vision is to get her clients what they want with the least amount of stress possible. When you choose Sheena to be your lender, know that she will strive to ease the burden of paperwork and approval for you as much as is humanely possible! Sheena believes “Buying a house should be one of the most important & exciting times in your life - up there with Getting Married and having kids - and that the process should be fun, enjoyable, and unforgettable for all the right reasons.” In her free time, Sheena enjoys snowmobiling, golf, swimming, and time with friends and family, alongside her husband and two young daughters. |
Katie Gaumer
Tri-Cities Home Lending
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NMLS# 180250 8486 W Gage Blvd Suite A Phone: |
Katie Gaumer is a trusted loan advisor who is proud to accommodate all your home financing needs. With a specialty in first-time homebuyers, refinances and building your dream home, Katie knows there is a loan for every borrower. Katie will provide a customized solution tailored for you at competitive rates with no hassles or surprises. |
Eric Melling
Tri-Cities Home Lending
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NMLS# 815225 8486 W Gage Blvd Suite A Phone: |
Eric joined 1st Security Bank in 2015 and has been in the finance industry for over a dozen years. “It is a privilege to have the opportunity to meet local families and provide financing for their homes. I work hard to exceed my clients’ expectations and want the buying process to be a great memory and milestone in their lives. Since I started in the business in 2005, I have helped hundreds of families achieve their dreams of owning a home. “Whether you are a new or past client buying another home, I look forward to the opportunity to speak with you about your financing options.” Born and raised in the Tri-Cities, the Washington State University graduate (Business Administration), loves the outdoors and enjoys “spending time with my beautiful daughter and chocolate lab.” |
Nik Sandberg
Tri-Cities Home Lending
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NMLS# 613580 8486 W Gage Blvd Suite A Phone: |
1st Security Bank is a relationship-driven financial services company committed to returning value to our stakeholders. We deliver home lending, banking and financial services to local families, regional businesses and industry niches in a manner that “wows” customers so much they become champions for the Bank and actively promote the Bank to others. Welcome to 1st Security Bank, I look forward to working with you. |
Matt Schiefer
Vancouver Home Lending
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NMLS# 487462 1111 Main Street Phone: |
Matt Schiefer has lived in the Northwest since 1989 earning a Bachelors Degree in Education from Western Washington University. A background in education serves as a foundation to help inform and empower clients with the knowledge necessary to make one of the greatest financial decisions of a lifetime. Matt has been serving clients in the mortgage industry since 2004. He has the ability to provide clients with a myriad of home financing products important in achieving a successful financial portfolio. Whether you’re a First Time Homebuyer, seasoned homeowner, or real estate investor, Matt will find loan programs tailored to fit your needs. Through competitive rates, stellar service and a commitment to accomplishing your goals, Matt is looking forward to earning your business and more importantly, your trust, in years to come. |
Dago Velasquez
Tri-Cities Home Lending
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NMLS# 815225 8486 W Gage Blvd Suite A Phone: |
1st Security Bank is a relationship-driven financial services company committed to returning value to our stakeholders. We deliver home lending, banking and financial services to local families, regional businesses and industry niches in a manner that “wows” customers so much they become champions for the Bank and actively promote the Bank to others. Welcome to 1st Security Bank, I look forward to working with you. |
Miguel Velasquez
Tri-Cities Home Lending
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NMLS# 803081 8486 W Gage Blvd Suite A Phone: |
1st Security Bank is a relationship-driven financial services company committed to returning value to our stakeholders. We deliver home lending, banking and financial services to local families, regional businesses and industry niches in a manner that “wows” customers so much they become champions for the Bank and actively promote the Bank to others. Welcome to 1st Security Bank, I look forward to working with you. |