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  • Must be a first time homebuyer.
  • 4:1 Matching grants available up to $30,806 on a first come first serve basis until program funds are exhausted.
  • Must meet low-to-moderate income household eligibility.
  • Homebuyer contribution can come from gift funds or bank account.
  • Available for Conventional, VA and FHA financing.
  • First Time Home Buyer counseling class certificate required.


Start the pre-approval process today with Refined Lending and Elevate Builders.

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Please fill out our Pre-Approval form below.
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Elevate Builders  and Refined Lending powered by Luminate Home Loans NMLS 150953 are not affiliated. This is not a commitment to lend. All products and rates are subject to change at anytime without notice. By applying you are authorizing both Refined Lending and Elevate Builders to contact you about your application. Refined Lending has partnered with Goldwater Bank, N.A., a member institution of the Federal Home Loan Bank of San Francisco and WISH program participant, to offer the WISH down payment assistance grant. The WISH (Workforce Initiative Subsidy for Homeownership) matching grant program is designed to offer FHLBank San Francisco’s member financial institutions an opportunity to support affordable, sustainable homeownership for first-time homebuyers, while achieving their own community investment goals. **All rates and programs subject to change without notice.  This is not a commitment to lend. 

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