Washington State's Covenant Homeownership Program represents a meaningful step toward addressing the state's history of racially restrictive housing practices. This specialized down payment assistance program serves eligible homebuyers throughout Clark County—including Vancouver, Camas, Battle Ground, Ridgefield, Washougal, and La Center—whose families were impacted by discriminatory housing policies before 1968.

Understanding the Covenant Program

The Covenant Program provides down payment and closing cost assistance to eligible Washington homebuyers whose parents or grandparents lived in the state before April 1968 and experienced housing discrimination due to race, color, religion, sex, national origin, or other protected characteristics. This acknowledges decades of restrictive covenants, redlining practices, and discriminatory lending that prevented many families from building generational wealth through homeownership in Vancouver, Camas, and throughout Clark County.

Program Benefits for Clark County Buyers

Eligible purchasers buying homes in Vancouver, Battle Ground, Salmon Creek, Felida, Hazel Dell, Orchards, Ridgefield, Washougal, or anywhere in Clark County can receive:

  • Down payment and closing cost assistance
  • Competitive interest rates through WSHFC-approved lenders
  • Support for conventional loans, FHA loans, VA loans, and USDA loans
  • Income limits that accommodate moderate-income families
  • Purchase price limits aligned with Clark County real estate values

Working with Covenant Program Experts

The Covenant Program requires specialized knowledge and careful documentation of eligibility. Marcia Gonzales at Evergreen Home Loans is an expert on this program and has successfully helped eligible Clark County families access these benefits. Her understanding of the qualification requirements, documentation process, and coordination with WSHFC makes her an invaluable resource for Vancouver, Camas, Battle Ground, and Ridgefield buyers exploring this program.

Marcia can be reached at 503-754-6902 to discuss your potential eligibility and guide you through the application process for purchasing your Clark County home.

Eligibility and Application

Complete program details, eligibility requirements, and application procedures are available through the Washington State Housing Finance Commission at www.wshfc.org/buyers/homeownership-programs/covenant. Working with experienced professionals like Marcia Gonzales ensures your application is completed correctly and your Clark County home purchase proceeds smoothly.

As your Designated Broker serving Vancouver, Camas, Battle Ground, and all of Clark County, I partner with Marcia to support eligible buyers through every step—from initial qualification through successful closing on your new home.

Real Estate Rob
Designated Broker, Kinected Realty LLC
Phone: 360-787-3675
Email: rob@realestaterob.house
Web: www.realestaterob.house

Covenant Program Lending Expert:
Marcia Gonzales, First Time Home Buyer Queen
Evergreen Home Loans
Phone: 503-754-6902

 

For complete Washington State Covenant Program information, visit www.wshfc.org/buyers/homeownership-programs/covenant