Your Path to
Homeownership

Home Loan Solutions for First-Time Homebuyers

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Your Path to
Homeownership

Home Loan Solutions for First-Time Homebuyers

Call Text Email Schedule a Meeting

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Start Your Journey Here

    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.

    FHA Loans – Just 3.5% Down

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

    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.

    More Ways to Own

    Explore further possibilities with Good Neighbor Next Door, $4,000 Grant Assistance, and more!

    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 at Community First Bank, and I'm all about making your first dive into buying a home way less scary and a lot more doable. Here, I wear two hats: I'm both your broker and lender, which means I have a lot of programs at competitive rates. 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.

    Recent Reviews

    Unlock Your Approval Amount With a Quick Call!

    I'm a real person, I live in Richland, WA, and I'm here for a genuine conversation. Book a 10-minute call with me and let’s discuss your homebuying journey - no strings attached, no credit pull, and absolutely no spamming. It will be a hassle-free experience to discover how much you can really afford.