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VA Loans + WISH Program

Are you a Veteran & First Time Home Buyer?

The federal WISH Homeownership Grant is back. This year Refined Lending is excited to be opening the WISH Grant to Veterans! VA loans already require zero down but how amazing would it be to have up to $29,172 in additional funds by using the WISH Grant!?


      • Must be a first time homebuyer.
      • 4:1 Matching grants available up to $29,172 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.





Refined Lending partnered with Goldwater Bank, N.A. are excited to be able to offer the Federal Home Loan Bank of San Francisco’s WISH down payment assistance program.  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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