Wednesday, May 08, 2024

WISH Program

The WISH Program is an exciting opportunity for first-time homebuyers with low to moderate income, offering a 4-to-1 matching grant up to $29,172!

This means for every dollar you save for your down payment; WISH will match it with four dollars, up to the maximum grant amount. It's designed to help you move from renting to owning by using these funds for your down payment and closing costs.

👉Here’s how it works:

Save for Your Home: For example, if you contribute $7,500 from your savings towards the purchase, the WISH Program will add a generous $30,000, giving you a total of $37,500 to spend on your home.

Grant Forgiveness: If you continue living in your home for five years, the entire grant is forgiven—meaning you don’t have to pay it back!

âś…Qualification Criteria:

  • First-Time Buyer: You must be buying your first home.
  • ​​Income Limits: Your income should be at or below 80% of the median area income.
  • ​​​
    ​Education: Complete a homebuyer counseling program to prepare for homeownership.


Funds are available on a first-come, first-served basis, so it's a great idea to look into this opportunity soon if you're aiming to own your home.

The WISH Program not only makes buying a home more affordable but also supports you in building a stable future.

Ready to Get Started?

WISH Program

The WISH Program is an exciting opportunity for first-time homebuyers with low to moderate income, offering a 4-to-1 matching grant up to $29,172!

This means for every dollar you save for your down payment; WISH will match it with four dollars, up to the maximum grant amount. It's designed to help you move from renting to owning by using these funds for your down payment and closing costs.

👉Here’s how it works:

Save for Your Home: For example, if you contribute $7,500 from your savings towards the purchase, the WISH Program will add a generous $30,000, giving you a total of $37,500 to spend on your home.

Grant Forgiveness: If you continue living in your home for five years, the entire grant is forgiven—meaning you don’t have to pay it back!

âś…Qualification Criteria:

  • First-Time Buyer: You must be buying your first home.
  • ​​Income Limits: Your income should be at or below 80% of the median area income.
  • ​​​
    ​Education: Complete a homebuyer counseling program to prepare for homeownership.


Funds are available on a first-come, first-served basis, so it's a great idea to look into this opportunity soon if you're aiming to own your home.

The WISH Program not only makes buying a home more affordable but also supports you in building a stable future.

Ready to Get Started?

*This communication is for informational purposes only, this is not a commitment to lend. Individual buyer's financial circumstances may be different and may result in different interest rates, costs, and payments. All programs are subject to change or cancelation at any time and without notice. Please consult your licensed Loan Originator to learn more about mortgage products, your eligibility, and ask for an official Loan Estimate before choosing your loan.

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John King

I'm John King, and I've dedicated over 20 years to the mortgage industry. Proudly ranking in the top 1% of mortgage originators since 2015, my passion lies in guiding homebuyers and homeowners achieve their homeownership goals.

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John King - NMLS ID# 453426
855-626-5464 Office
kingteam@johnloanking.com
2220 Douglas Blvd, Suite 220, Roseville, CA 95661

John King Loan Consultant / Branch Manager NMLS ID# 453426, Roseville- Branch NMLS ID# 1008243, Lodi- Branch NMLS ID# 284835, Summit Funding, Inc. NMLS ID# 3199, www.nmlsconsumeraccess.org, Equal Housing Opportunity.