Recent Reviews
Homebuyers in the Tri-Cities and Oregon consistently rate The Good Lender 5 stars for clear communication, smooth closings, and reliable guidance throughout the loan process. Clients in Richland, Kennewick, and Pasco frequently highlight responsive service, on-time closings, and clear explanations of loan options including FHA, VA, conventional, and down payment assistance programs. The Good Lender has also been nominated for Tri-Cities Best Lender four years running.
Loan Programs
Every situation is different. Here is the full menu — and a straight answer about which one actually fits.
Conventional down payment assistance — buy a home with as little as $3,000 out of pocket.
Learn More →A smart choice for borrowers with strong credit. Ideal for those seeking a variety of terms and down payment options.
A straightforward path to homeownership with a minimal down payment requirement. Ideal for first-time homebuyers.
Discover the benefits of rural living with no down payment USDA loans. A perfect fit for eligible rural and suburban homebuyers.
Honoring veterans by offering 0% down VA loans. Support for veterans and active duty members.
Access higher loan amounts beyond the limits of conventional financing. Tailored for luxury properties or high-cost areas.
Navigate the path to homeownership with down payment assistance. Tailored support for individuals and families.
Learn More →Simplify your build with an all-in-one construction and land loan, from lot purchase to finished home.
Learn More →Unlock lower initial payments with a 2/1 buydown, the most popular option. Explore other flexible buydown solutions too.
Up to $2 million in financing tailored for physicians. 5% minimum down on loans up to $1 million with no monthly mortgage insurance.
Down Payment Help
Buying a home with less cash up front is possible — and it doesn’t have to mean a complicated program with a low income ceiling. Income limits vary by program — some are based on the county you’re buying in, others use a statewide limit — so the best way to know where you stand is a quick call. I’m able to offer down payment assistance options for qualifying first-time and repeat buyers across Washington and Oregon, alongside Washington’s Covenant Program and Oregon state options where they’re the better fit.
Common Questions
Down payment assistance programs help cover part of your upfront homebuying costs — the down payment, and sometimes closing costs too. They're offered through banks, state housing agencies, and nonprofits, with one goal: make homeownership possible without years of saving first.
Most programs work as a second loan on the home, separate from your main mortgage. With my exclusive program through Columbia Bank, that assistance can be fully forgiven after 15 years in the home, as long as the loan stays active and isn't refinanced or paid off early.
Yes. My program is a conventional loan with the down payment assistance built in — underwritten, funded, and serviced in-house, with pricing that stays consistent with standard mortgage rates.
With most DPA programs, yes — you repay it when you sell, refinance, or reach the end of your loan term. My program is different: it's forgiven after 15 years of occupancy, as long as you haven't sold, refinanced, or paid it off early.
The Good Lender
Kennewick • Richland • Pasco | Serving Washington & Oregon
Jowed Hadeed is a mortgage loan officer with Columbia Bank Home Lending, known as The Good Lender. With over 15 years of experience, he helps first-time homebuyers, repeat buyers, and investors navigate the loan process with clear, straightforward guidance—so you always know what's happening and what comes next.
Specializing in down payment assistance, conventional, FHA, VA, jumbo, and construction loans, Jowed is known for being responsive, honest, and easy to work with.
NMLS #1746530
Ready to Get Started?
No pressure and no obligation — just a straight answer about what you qualify for and what it would actually cost.
