services
Property Valuations
Buyer/Seller Representation
Buyer/Seller Representation
How much is your home worth? We will explore your home's current market value and give you the best information to support it. We also offer a wide range of services to meet the needs of our clients, including home staging, marketing and advertising, and negotiation and closing services. We believe that honesty, integrity, and transpar
How much is your home worth? We will explore your home's current market value and give you the best information to support it. We also offer a wide range of services to meet the needs of our clients, including home staging, marketing and advertising, and negotiation and closing services. We believe that honesty, integrity, and transparency are the keys to success in the real estate industry. We take pride in our work and are committed to providing our clients with the best possible experience.
Buyer/Seller Representation
Buyer/Seller Representation
Buyer/Seller Representation
Looking to sell or purchase? We have a team of experienced and dedicated people who are committed to helping our clients buy and sell properties. From lenders, and appraisers to contractors. We have a deep understanding of the local real estate market and strive to provide exceptional customer service. From first time home buyers to seas
Looking to sell or purchase? We have a team of experienced and dedicated people who are committed to helping our clients buy and sell properties. From lenders, and appraisers to contractors. We have a deep understanding of the local real estate market and strive to provide exceptional customer service. From first time home buyers to seasoned clients, we work closely with our clients to ensure that their real estate transactions are as smooth and stress-free as possible. We'll help you find or sell the perfect home or investment property!
Consultation
Buyer/Seller Representation
Consultation
Looking for more information about setting up your real estate company, development and systems? Darci can help. With multiple years serving as a Designated Broker for two New Urbanism Communities, Darci can help your company and Traditional Neighborhood Development (TND) get off on the right foot. From navigating the best people to hel
Looking for more information about setting up your real estate company, development and systems? Darci can help. With multiple years serving as a Designated Broker for two New Urbanism Communities, Darci can help your company and Traditional Neighborhood Development (TND) get off on the right foot. From navigating the best people to help prepare your CC & R's, review floor plans & specs, to maximizing profitability. She can also help you hire the right agents and select the best real estate contracts & documents for your project.
Down Payment Assistance Education Classes
Washington State Down Payment Assistance – Frequently Asked Questions
What is down payment assistance?
Down payment assistance (DPA) programs help buyers cover some or all of their down payment and sometimes closing costs. These programs are designed to make homeownership more accessible — especially for first-time buyers or those who qualify under income guidelines.
Do I have to be a first-time homebuyer?
Not always. While many programs are designed for first-time buyers, some Washington State programs allow repeat buyers to qualify — especially if you have not owned a home in the past three years.
How much assistance is available?
Programs may offer:
- A percentage of your loan amount
- A fixed dollar amount
- Or assistance tied to your income and household size
The exact amount depends on the program and your financial profile.
Is the assistance free money?
Most programs in Washington are structured as second loans, often with deferred payments and low or zero interest. Some may be partially or fully forgivable over time. We’ll help you understand the structure before you move forward.
What are the income limits?
Each program has specific income caps based on county and household size. We help connect you with trusted local lenders who can determine exactly what you qualify for.
Do I need perfect credit?
No. Many programs allow moderate credit scores. Strong financial habits matter more than perfection. If your credit needs work, we will help you so you can buy a home in the near future.
Can I use down payment assistance in Gig Harbor, Shelton, Bremerton, Tacoma, or surrounding areas?
Yes. Most Washington State Housing Finance Commission programs apply statewide, including Pierce, Mason, Grays Harbor, and Kitsap counties.
What types of homes qualify?
Typically:
- Primary residences only
- Single-family homes
- Some townhomes and condos
- Certain manufactured homes
We’ll guide you through what fits the guidelines.
How to Buy a Home Using Washington State Down Payment Assistance
Homeownership in Washington may be more attainable than you think.
There are multiple programs available through the Washington State Housing Finance Commission designed to help buyers bridge the gap between saving and owning.
Here’s how we help you navigate the process:
Step 1: Education
Most programs require a short homebuyer education course (online and affordable). We’ll point you to approved classes so you can complete this quickly and confidently. We teach them, too! Our next class:
Saturday, April 4- 9:00-2:30, Port Orchard, WA
Step 2: Connect With a Trusted Lender
Not all lenders are certified to offer Washington’s assistance programs. We'll introduce you to experienced local lenders who specialize in these programs and understand the details.
Step 3: Get Pre-Approved
Your lender will determine:
- Purchase price range
- Loan type (FHA, VA, Conventional, etc.)
- Assistance amount available
- Monthly payment estimate
You’ll know exactly what your numbers look like before you shop.
Step 4: Strategic Home Search
This is where we come in.
We help you:
- Identify homes that qualify
- Structure competitive offers
- Navigate inspections and negotiations
- Stay within program guidelines
Why Work With Us?
Buying with assistance is absolutely possible — but it requires coordination, timing, and the right team.
We help:
- First-time buyers
- Buyers rebuilding after life changes
- Buyers who have income but haven’t built large savings
- Buyers who didn’t realize they qualify
You don’t have to figure this out alone. If you’ve been waiting because you think you need 20% down — let’s talk. You may be closer than you think.
What Next?
- Reach out to us to schedule a FREE training class (See below).
- Order a FREE Credit Report at www.freecreditreport.com. Our lender will share ideas to help you understand your report, help to clean up any credit issues, and prepare you for homeownership. He will also help you prepare for your loan and program applications.