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Residential

Keep The Home You Love

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Worried about keeping up on mortgage payments? We can help.

We Promote and Sustain Home Ownership

SNAP Financial Access is your local non-profit neighborhood partner. Our experienced staff will help you explore your financial options and determine the best course of action on your road to home ownership and financial stability.

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Home Ownership

Get ready to buy your first home! We are here to help.

Prevent Foreclosure

Helpful programs for when times are tough.

Homebuyer Education

In the Home Buyer Education seminar you will learn the home purchase process and obtain information on a variety of special programs available to assist first-time buyers.

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Give Yourself A Raise

If you've viewed our Navigating Your Credit World course and want to learn more, it's time to Give Yourself a Raise! This course builds on the concepts established in Navigating Your Credit World and enables you to progress in your journey towards lasting financial...
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Mortgage Payment Assistance Available for County Residents

A special program is now available to help Covid-19 affected homeowners in Spokane County make past-due loan payments on their home mortgages. We know the last 10 months have been hard and are here to help!

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Mortgage Payment Relief

Have your expenses increased due to medical bills, divorce, or an increase in your mortgage interest rate? Maybe you’re trying to get by with less because your hours were cut or your business is struggling. If this sounds like your situation, it’s important to be proactive! Get on the right path to real help and real answers – right now.

Mortgage Default Counseling

Helps homeowners determine what options may be available to remedy default and avoid foreclosure. Counselors assist households by arranging repayment plans with their lender and by providing information and referral to other resources.

Foreclosure Prevention Program

Foreclosure is not a foregone conclusion. Even if you have exhausted all other forms of assistance for retaining your home, including but not limited to refinance and loan modification, SNAP Financial Access offers foreclosure prevention loans for qualifying homeowners.

Foreclosure Prevention Loan Qualifications

Property must be occupied by the owner, and the home must be their primary residence. Qualified applicants. SNAP must hold a first lien position. Loan amount must be at least $3,000. Loan requires equity in the property; loan amount shall not exceed 80% of property value. Credit history review is required. Applicants must have the ability to repay the loan.

Home Ownership

Plan

Counseling and classes are free of charge and open to everyone.

The goal of the Housing Counseling Program is to promote and sustain home ownership. The SNAP Housing Counseling Program has been approved by HUD since 1988 to assist households with the challenges of buying and keeping a home.

Sign Up for a Home Ownership Workshop

You can view our schedule of upcoming Homebuyer Education classes by checking out our calendar. Classes are held at libraries throughout Spokane and Spokane Valley with weeknight or weekend options to fit your lifestyle.

Counselor Meeting Request

If you’ve completed the Home Buyer Education class and you want to make an appointment with a counselor, submit this form and we will reply to schedule a meeting.

Pre-Purchase Counseling and Education

This program helps households identify and overcome barriers to home ownership. Counselors provide information about a variety of special loan programs. Home Buyer Education classes are also available.

Down Payment Assistance Loan Program

Pre-Purchase Counseling and Homebuyer’s Education Seminars will discuss a number of down payment assistance programs that are available to home buyers and identify how much you may be eligible for (subject to mortgage loan program criteria and specific income restrictions).

Fee Schedule

Home Repair & Weatherization

SNAP also offers free home repair and weatherization programs for qualifying homeowners.

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Home Loan

Support

Why Should You Consider Home Mortgage Loan Support from SNAP?

Contact a Loan Specialist
We will consider financing people with extenuating circumstances; like divorce, or financial situations that caused you to leave your first home. Please describe in the comment box below.
You can view the upcoming Home Buyer Class schedule by clicking the calendar link in the main menu. Classes are held at libraries throughout Spokane and Spokane Valley with weeknight or weekend options to fit your lifestyle.
Your best estimate is fine. Remember we will go over this in more detail later.
If you have been trying to get a home loan and been denied, it will help us to know why and when.
  • We will connect you with a highly qualified counselor and explore the options that are best for you.
  • If you are considering debt consolidation or planning home renovations, come talk to us and see what options are available to you.
  • Protect yourself from rising interest rates. Predictable monthly payments that stay the same for the selected term.
  • We offer comprehensive financial services alongside mortgage loan preparation.

Homeowner Assistance

If you’re finding that you’re unable to make your mortgage payments with us and are looking for ways to keep your home or avoid foreclosure, give us the chance to help. 

Mortgage Assistance Options

There are several options available that you may be eligible for, including:

 

  • Refinancing your mortgage to extend the repayment period and/or reduce the interest rate to lower your monthly payments.
  • Modification of your current mortgage to make your payments more affordable.

 

Required Documentation

To explore these options, call our housing counselors at 509-319-3040. Please be sure to have the following documents ready to help us evaluate your eligibility:

  • Two most recent pay stubs (or other proof of income, such as SSI payments or retirement income).
  • Two most recent statements from all bank or credit union accounts.
  • Most recent tax return and all supporting documentation.
  • Hardship letter explaining why you are unable to make your payments.
  • A list of your monthly expenses.
  • We may require additional documentation of your expenses.
  • We may require additional information to properly evaluate your qualifications for these programs.
Other Resources

To find a certified housing counseling agency, call:

  • Washington State Department of Financial Institution's Foreclosure Hotline: 877.894.HOME (4663) or visit
    their website.
  • US Department of Housing and Urban Development: 800.569.4287 or visit their website.
  • Servicemembers Civil Relief Act
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The above information is posted in accordance with RCW 61.24.031(5)(e)