Refined Lending powered by Luminate Home Loans NMLS 150953, has partnered with Goldwater Bank, N.A., a member institution of the Federal Home Loan Bank of San Francisco and WISH program participant, to offer the WISH down payment assistance grant. The WISH (Workforce Initiative Subsidy for Homeownership) matching grant program is designed to offer FHLBank San Francisco’s member financial institutions an opportunity to support affordable, sustainable homeownership for first-time homebuyers, while achieving their own community investment goals.

**All rates and programs subject to change without notice.  This is not a commitment to lend.