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Why TruWest

TruWest can match up to $15,000 on your down payment (1)

WISH Program

We can help make your homeownership dreams come true with the Workforce Initiative Subsidy for Homeownership (WISH) program. The WISH Program provides qualified homebuyers a match of up to $15,000 of down payment funds. For each dollar you put toward a down payment, a match of $3 is received in WISH grant funds. Requirements:

  • Be a first-time homebuyer2
  • Meet annual income eligibility guidelines below3
  • Meet required credit qualifications for a TruWest loan
  • Complete a free homeownership counseling course
  • Open escrow on home purchase prior to March 31, 2019

Have questions? You can talk to a mortgage loan originator at 1(855) 841-9203.

2018-2019 WISH Income Limits


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Frequently Asked Questions

Next Steps

As easy as 1, 2, 3

How to Apply for the WISH Program

  1. 1
    Apply by phone at 1(855) 841-9203.
  2. 2
    Applications with complete information will be processed and disclosed within 3 business days. A licensed TruWest Mortgage Loan Originator may contact you if additional information is needed.
  3. 3
    Once the application process has started, the origination process will begin. Origination times may vary based on transaction, but normally take 30-45 days.
  4. 4
    Once the loan has passed underwriting, a TruWest representative will contact you to arrange a closing appointment.

Note: A TruWest membership should be opened prior to loan approval but can be opened any time before loan disbursement (funding).


We're happy to help! Just give us your name, email and phone number and we'll get in touch with you shortly.

1Subject to credit approval and program terms, conditions, and restrictions. Limited time and while supplies last. Down payment percentage is calculated as the difference between the lesser of the purchase price or appraised value of the home and loan amount. Must qualify as a TruWest member. Financing solutions not available in AK, HI, LA, SC, VT, and WI. Condominium financing not available in NY and with restrictions in certain areas in FL. Programs, rates, restrictions, terms and conditions are subject to change without notice.
2Restrictions apply. Contact TruWest Credit Union for first-time homebuyer qualifications. Must be 18 years of age or older and earning a wage.
3Annual income limit is combined household annual income. Annual income is determined at the time of enrollment in the WISH Program, and based on income eligibility guidelines published by the Bank of San Francisco and is at or below 80% of the HUD area median income.