Borrow the entire cost of eligible design, permitting and installation. Lower interest rates for qualified lower-income borrowers.
No up-front loan fees or pre-payment penalties. Perfect credit not required. Competitive interest rates.
If required, make automated payments directly from your bank account.
This program is made possible thanks to the support of many public and private funders and organizations, including the U.S. Environmental Protection Agency, and the State of Washington.
We have helped nearly 2,000 Washington homeowners repair or replace their septic systems, stay in their homes, and keep local waters clean. We answer your questions, help you every step of the way, and troubleshoot any challenges. We look forward to working with you!
If your property is in Washington, you’re eligible to borrow up to the full cost of your septic repair or replacement. In addition, one or more of the following must apply:
*APR, Annual Percentage Rate based on example loan criteria.
**Deferred Payment option maximum loan amount is $35,000 and maximum loan-to-value is 80 percent.
***Interest-only Payment option maximum loan amount is $45,000 and maximum loan-to-value of 100 percent.
Loan availability, terms and conditions current as of 05.15.2023 and are subject to change. Examples include financing of Craft3 $795 loan fee. All loan applications are subject to credit, property and project approval. Maximum loan amount and Loan to Value apply and are subject to equity value and underwriting requirements for all programs. Loans are secured by a UCC-1A filing recorded with the county. Subordination may be available with lender approval, fees may apply. Principal balance and interest (if applicable) is due on sale, transfer, refinance or maturity. Due to Clean Water Loan funding sources, financed projects require a cultural resource review by the Department of Ecology. If a designation is made, the property owner will be responsible for costs incurred.
Craft3 supports homeowners every step of the way. Here's how it works.
Washington State Department of Health’s web resources on Septic Systems.
Washington State Department of Ecology’s webpage on Cultural Resource Review.
Rural Development, US Department of Agriculture, Washington Waste Disposal Loan & Grant Program in Washington
"What does a great day at work look like? Being able to say “YES” to someone who comes to us believing there isn’t any hope."