First Time Home Buyer Down Payment Assistance Program

Still Renting? Want to Own — But Not Mortgage Ready Yet?
There are real options in WA & OR that may help renters transition into homeowners:
✔️ Lease-to-Own: Live in your future home while preparing to buy
✔️ Down Payment Assistance: Help available with 600+ credit score
✔️ Minimum household income: $6,000/month
(Some flexibility depending on purchase area)
✔️ Designed for renters with stable job history and some savings
✔️ Based in WA & OR — no upfront application required to speak
📞 Call Byron Davis directly: 253-267-8520
📧 Email: [email protected]
Disclaimer: Program guidelines subject to change. Eligibility based on income, credit, and property location. Not all applicants will qualify. Mortgage Broker NMLS 82426. Byron Davis NMLS 1017333. Licensed in WA and OR.

Call now to connect with business.

Lease Now, Buy Later

Want to own a home but don’t qualify for a traditional mortgage? A new homeownership program is now available in Washington that makes it easier for working families to get started — even with lower credit or non-traditional income.

✅ 580+ credit score
✅ Just 3.5% down (gift funds allowed)
✅ No bank loan required
✅ Build equity with every monthly payment
✅ Buy the home anytime over a 30-year term
✅ Available in many cities across WA

Who May Qualify:
✔ 580+ credit score
✔ ITIN borrowers welcome
✔ DACA recipients accepted
✔ Self-employed income OK
✔ 12 months of verified rent or alternative credit history
✔ Access to 3.5% down payment (can be gifted)
✔ Open to a non-bank pathway to homeownership

This program is managed by a Native Tribal housing authority. They purchase the home for you, and each monthly payment reduces your final purchase price. It’s a smarter path toward owning — even if you've been shut out of traditional financing.

📞 Call or text Byron at 253.337.4976 to check eligibility. No pressure, just real help.

Disclaimer: This is not a mortgage offer. Subject to eligibility and underwriting. Program may change without notice. Broker NMLS #82426 Byron Davis NMLS #1017333. All fair housing laws apply.

Call now to connect with business.