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Home$tretch Loan Program

The Home$tretch Loan Program provides assistance with down payment and closing costs for borrower’s utilizing our Standard First Time Homebuyer Program. This program places a second mortgage on the property of up to $10,000. The homebuyer is required to take both our regular Homebuyer Education Class and the One-on-One Counseling class. These loans are offered in conjunction with WCDA first mortgage purchase loans through WCDA participating lenders only.

  • Minimum Required Borrower’s Contribution –$1,500.00

  • Maximum loan amount - $10,000

  • 0% interest rate and 0.080% APR

  • No monthly payment

  • Minimum middle FICO score (credit score) - not less than 620

  • Total Debt to Income ratio may not exceed 41%

  • Due upon sale of the property or refinance

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