First-Time Homebuyer Programs

COLB Down Payment Assistance

A simple way to own a home with just $3,000. Perfect for first-time buyers needing help with down payment and closing costs.

WA Down Payment Assistance

Unlock your dream home with less upfront cost. Eligible for households earning under $180k and a credit score of 620 or above.

HomeReady – 3% Conventional Loan

Step into homeownership with just 3% down. Enjoy better rate pricing and discounted monthly mortgage insurance. Income restrictions apply.

USDA Loans

Discover the benefits of rural living with no down payment USDA loans. A perfect fit for eligible rural and suburban homebuyers.

VA Loans

Honoring veterans by offering 0% down VA loans. Support for veterans and active duty members.

FHA Loans

A straightforward path to homeownership with a minimal down payment requirement. Ideal for first-time homebuyers.

Home Loan Approval Basics

Headshot of Jowed Hadeed, smiling mortgage advisor serving Wallowa County, Oregon, and Tri-Cities, WA.

Why Me

I'm Jowed Hadeed and I'm all about making your first dive into buying a home way less scary and a lot more doable. Figuring out mortgages can be a bit of a maze, especially when it's your first time buying a home. That's where I come in. I'll walk you through the whole process, giving you the lowdown in a way that makes sense and helping you find the perfect fit for your situation.

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