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WISH

Just good enough to be true

Not sure how to afford your dream home? The WISH program can help.


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Quiz

What kind of real estate loan is right for you?

What would you like to do?

    • I’d like to make some improvements to my home.
    • I’d like to buy a home.
      • Congratulations! Do you already know where?
        • Yes, I’m ready to buy!
        • No, I’m just starting my search.
          • Schedule a Call with our Real Estate Team for advice on how to get started.
    • I want to lower my home loan payment somehow. It’s way too expensive!
      • Sounds like you need to refinance. We’ve helped many people lower both their monthly payments and their overall interest rate. You may even be eligible to remove your Private Mortgage Insurance (PMI) which can also help lower your monthly payments.

What Is It?

WISH from Yolo Federal

Believe it—there are affordable homes out there and, one of them could be yours. If your household income does not exceed 80% of the local median income, you could qualify for up to $22,000 of housing assistance.

Why Yolo Federal

Save for your dreams

  • Reduce your downpayment and monthly housing bills
  • Buy a home in a neighborhood you love
  • Save up to $22,000

FAQs

  • How do I know if I am eligible?

    These are the current eligibility requirements for WISH:

    • The homebuyer has paid at least 1% of the purchase price of the home from his/her own resources.
    • The homebuyer has successfully completed a HUD approved homebuyer counseling program.
    • The homebuyer is participating in another Mortgage Assistance Program.
    • The homebuyer must obtain his/her primary mortgage financing from Yolo Federal Credit Union.
    • The household income does not exceed 80% of the HUD Area Median Income (see AMI guidelines below).
  • What is the HUD Area Median Income?

    The income is updated each year. WISH Program Information 2022 includes the current rates.

  • Are there any repayment requirements?

    Potentially. You may be required to return all (or a portion) the WISH grant funds if the home ceases to be your primary residence within 5 years of purchasing the property.

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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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