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Variety of homebuyer programs to satisfy loan requirements such as those for first time buyers, high cost loan counseling, HomeREACH mortgage prep, and other online courses.

Offers major home repairs and improvements in order to maintain safe living conditions and home value. Repairs include, but are not limited to, weatherization, painting, landscaping, and roofing.

The goal of foreclosure mediation is for homeowners to have an opportunity to discuss options as alternatives to foreclosure, to provide parties with the ability to review programs that could assist in continued payment of mortgages, to review documentation with their bank or lender, and as a last resort, to discuss opportunities and timelines for a “graceful exit” from their homes.

Improves a home’s energy efficiency, durability, indoor air quality and addresses health and safety concerns. Weatherization services focus on attic, floor and wall insulation, reducing drafts, heating system cleaning and safety inspection and ventilation improvements. Identification of air quality improvements, such as mold and moisture reduction is also available. Available for both homeowners and renters with landlord permission.

Low-interest loans for the rehabilitation of residences occupied by owner households with incomes at or below 80% of the median income of Whatcom County. Additional services include inspection to determine needed repairs, assistance in construction oversight, referrals to other agencies for social services beneficial to low- and moderate-income households, and more.

See website for homeowner loan eligibility criteria and application. If eligible, with a CLT loan, there are no mortgage insurance payments, no balloon payments, no short terms, no fluctuating interest rates–only 30-year fixed-rate conventional mortgages.

Homeowners facing foreclosure can contact a specialist by phone for help understanding their rights, accessing resources and tools, and connecting to advocates that provide hands on help.