The PHL Community Lending Program (CLP) connects Washington homebuyers and homeowners with financial assistance programs that help reduce the cost of purchasing or refinancing a home. While some programs may have income or first-time homebuyer requirements, the CLP itself is available to both first-time and repeat buyers, as well as eligible homeowners looking to refinance.

Key Features of the CLP:

• Down payment and closing cost assistance to lower upfront expenses.
• Available for both first-time and repeat buyers financing a primary residence.
• Competitive refinancing options with fixed and adjustable-rate mortgages.
• Programs available in select areas across Washington.

Find out if you qualify! Contact a PHL loan officer today to explore your options.

In addition to helping homebuyers, the PHL Community Lending Program (CLP) offers refinancing solutions designed to help Washington homeowners secure competitive rates and terms while restructuring their loans.

Refinancing Options Under the CLP:

• 15-Year and 30-Year Fixed-Rate Loans – Enjoy stable monthly payments with rates that may be up to 1% below market (eligibility required).
• 7-Year and 10-Year Adjustable-Rate Mortgages (ARMs) – Take advantage of lower initial interest rates with flexible terms tailored to your financial goals.

Find out how much you can save! Contact a PHL loan officer today for a personalized rate quote and explore your refinancing options under the CLP.

The PHL Community Lending Program (CLP) is designed to make homeownership and refinancing more affordable for a wide range of buyers and homeowners in Washington:

• First-Time Homebuyers (FTHB) – Take advantage of down payment and closing cost assistance to achieve affordable homeownership.
• Repeat Buyers – Move up or relocate to a new primary residence with financial support.
• Homeowners Seeking to Refinance – Access competitive interest rates and adjust your loan terms to better fit your financial goals.

Important: Grants and down payment assistance may not be available to all applicants. Contact a PHL loan officer to check your eligibility and explore your options.

PHL proudly serves homebuyers and homeowners across Washington, but the Community Lending Program (CLP) is available only in select areas. Let us help you identify the eligible regions near you.

Popular Locations Where the CLP Is Available:

• • King County – Encompassing Seattle and its surrounding suburbs, offering a diverse housing market with urban and suburban options.
  • Pierce County – Home to Tacoma and other growing communities, providing a mix of urban amenities and suburban living.
  • Snohomish County – Featuring cities like Everett and Lynnwood, known for their family-friendly neighborhoods and proximity to natural attractions.
  • Spokane County – Located in Eastern Washington, offering a blend of city life and rural charm in areas like Spokane and Spokane Valley.
  • Clark County – Bordering Oregon, includes cities like Vancouver, known for their vibrant communities and access to metropolitan amenities.

Find out if your area qualifies! Contact a PHL loan officer today to explore eligible regions near you.

At Pacific Home Loans (PHL), we’re committed to making homeownership more accessible throughout Washington. With the Community Lending Program (CLP), you’ll enjoy:

• Local Expertise – Our loan officers understand Washington’s diverse housing market and will guide you to the best opportunities in your area.
• Personalized Support – We work closely with you to identify eligible census tract areas and match you with the most beneficial assistance programs.
• Streamlined Process – From application to funding, we make your home loan experience seamless and stress-free.

Ready to get started? Contact a PHL loan officer today to explore your options!

• Down Payment Assistance: Reduce upfront costs for purchasing a primary residence.
• Closing Cost Support: Financial aid to ease the home-buying or refinancing process.
• Competitive Rates: Access fixed and adjustable-rate loans that may be up to 1% below market, where eligible.
• Flexible Eligibility: Open to first-time buyers, repeat buyers, and homeowners refinancing a primary residence.
• Targeted Availability: Contact a PHL loan officer to locate the eligible areas nearest you.

Don’t let financial hurdles stand in your way! The Pacific Home Loans Community Lending Program (CLP) is designed to make homeownership and refinancing more affordable across Washington.

Take the first step today! Contact a PHL loan officer to learn how the CLP can help you.

Speak with one of our experienced loan officers today to:

• Explore eligible CLP areas near you.
• Get a personalized rate quote for 15-year or 30-year fixed loans, or 7-year and 10-year ARMs.
• Learn how the CLP can reduce your upfront costs or improve your refinancing terms.

Contact Us Today

Make your dream of owning or refinancing your primary residence in Washington a reality with Pacific Home Loans and the Community Lending Program.

Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.