Homes for Heroes in Vancouver & SW Washington.

Is Homes for Heroes available in Washington?

Yes. Homes for Heroes is a nationwide program, so eligibility works the same in Washington as anywhere else. What matters is working with a participating affiliate. Mindy Hay is a Homes for Heroes affiliate lender licensed in Washington (MLO-292224), so Clark County heroes can claim the lending-side savings directly with her. Hero Rewards availability and terms can vary by transaction and state, so it is always worth confirming your specifics.

The Columbia River advantage: licensed in both Oregon and Washington

This is where Southwest Washington is genuinely different from anywhere else. A huge share of Clark County residents work in Oregon and live in Washington, or are actively weighing which side of the river to buy on. That decision has real financial trade-offs, and it can get complicated fast when your income is earned in one state and your home is in another.

Mindy is licensed in both Oregon and Washington (plus Arizona). That means:

• You can shop both sides of the river without switching lenders mid-search.
• Oregon-earned income is documented normally for a Washington purchase, and vice versa.
• If you start looking in Portland and end up in Vancouver (it happens constantly), nothing restarts.

Your Hero savings travel with you either way, because they are tied to who you are, not to which state you buy in.

Who qualifies in Southwest Washington?

Firefighters and first responders

Firefighters and first responders across Clark County, including the Vancouver and Camas-Washougal areas and the county fire districts, qualify. Shift work, overtime, and second jobs can complicate a mortgage file, and that is exactly the kind of income Mindy documents every week.

Law enforcement officers

Police officers, sheriff's deputies, corrections officers, and other law enforcement personnel serving Vancouver, Camas, Battle Ground, Ridgefield, and Clark County qualify for Hero Rewards savings.

EMS professionals

Paramedics, EMTs, and emergency medical staff qualify. If your pay includes shift differentials or overtime, Mindy will make sure it is counted properly so you get credit for what you actually earn.

Military and veterans

Active-duty service members and veterans qualify. Many pair their Hero savings with a VA loan for $0 down and no monthly mortgage insurance, which is often the strongest combination available in this market. See our VA vs. conventional comparison.

Healthcare professionals

Nurses, doctors, techs, and hospital staff across Southwest Washington's health systems and clinics qualify, including those who commute to Portland-area hospitals. Travel nurses and contract healthcare workers often have non-traditional income, and Mindy knows how to structure those files.

Teachers and educators

Teachers, administrators, and school staff across the Vancouver, Evergreen, Camas, Battle Ground, and Ridgefield school districts qualify. Educators are frequently first-time buyers, so it is worth checking whether you can also stack first-time buyer programs and down payment assistance.

How the savings actually work

There are two sides to Hero Rewards, and you do not need both to benefit:

• Lender side (Mindy): as your Homes for Heroes affiliate loan officer, Mindy gives back savings on the financing. You get this just by working with her.
• Real-estate side (optional): if you also use a participating Homes for Heroes agent in Washington, they give back a portion of their commission, stacking more savings on top.

Savings depend on your transaction, loan program, and price, and amounts are examples only, are not guaranteed, and are subject to program terms and eligibility. Ask Mindy for a personalized estimate on your scenario.

Can you stack Hero savings with Washington assistance programs?

Often, yes. Washington has state and county-level down payment assistance options for eligible buyers, and because Hero Rewards are based on who you are rather than which loan you choose, the two can frequently work together. Availability, income limits, and terms change over time, so the practical move is to have Mindy check what you currently qualify for in Clark County before you start shopping.

Washington communities Mindy serves

Mindy works with heroes across Southwest Washington, including Vancouver, Camas, Battle Ground, Ridgefield, Washougal, Woodland, and La Center.

She is also a Homes for Heroes affiliate in Oregon and Arizona, so heroes relocating within the Pacific Northwest or down to the Phoenix area can keep the same lender through the move.

Frequently asked questions