WISH - Yolo Federal Credit Union Skip to main content
×
cover-art

Yolo FCU Mobile

Finance

Free - On the App Store

View
×
cover-art

Yolo FCU Mobile

Finance

Free - On the App Store

View

WISH

Just good enough to be true

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


Apply Now

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 $29,172 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 $29,172

FAQs

  • How do I know if I am eligible?

    These are the current eligibility requirements for WISH:

    • 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 2023 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.

Don't see the answer to your question?

  • *This is not a secured email. Please do not include sensitive personal/financial information in this form. If you would like to discuss account details, please include a phone number so we can contact you. Thank you!
  • This field is for validation purposes and should be left unchanged.

Resources

Contact Us

To get started, give us your name, email, and phone number!

Please enter a form shortcode or message for this pop-up.

Leaving Our Site

During our Technology Enhancement Weekend, our Online Banking and Online Membership and Loan Applications will be temporarily unavailable. Please visit our Technology Enhancement Weekend webpage for important information.

You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website.

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. 

Leaving Our Site

You are contacting a Yolo Federal Credit Union Representative. By clicking “Continue,” you understand that any transmission to or from this site is not confidential. You agree that Yolo Federal Credit Union will not be responsible to anyone for any damages arising out of or in connection with any e-mail or other electronic transmission sent to Yolo Federal Credit Union. All information you submit to Yolo Federal Credit Union via the site will be considered to be the property of Yolo Federal Credit Union, and Yolo Federal Credit Union is free to utilize any information you submit for any purpose, subject to Yolo Federal Credit Union’s Privacy Policy.