Our clean water loans help hundreds of Washington homeowners annually.
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.
Our online application is user-friendly and we’re standing by to help.
If you live in Washington, projects must be assessed by the Washington State Department of Ecology for any potential adverse effects to cultural resources, such as archeological objects, or historic properties. This review takes approximately 30 days. If surveying or monitoring are required, your project will incur additional costs, which can be financed through your Craft3 loan.
Work with your designer or engineer to design your septic system. Your designer will submit the design to the county for approval, the county will issue the permit, and your contractor will initiate and complete installation.
Projects must be assessed by the Washington State Department of Ecology for any potential adverse effects to cultural resources, such as archeological objects, or historic properties. This review takes approximately 30 days. If surveying or monitoring are required, your project will incur additional costs, which can be financed through your Craft3 loan.
NOTE: Your contractor must be approved by your area’s health jurisdiction to conduct septic system replacement work. Contact your local health jurisdiction for a list of approved contractors.
Securely sign your electronic loan documents. By request, document signing is also available by mail.
When your loan documents are signed, your contractor can get to work. Once you have final county approval, final record drawing/as-built is provided and the work is completed to your satisfaction, you authorize final payment to your contractor.
Repay your loan with automated payments from your bank account.
Download the Clean Water Loan brochure for Washington homeowners
Washington State Department of Ecology’s webpage on Cultural Resource Review
Washington State Department of Health’s web resources on Septic Systems
Rural Development, US Department of Agriculture, Washington Waste Disposal Loan & Grant Program in Washington
A 25-year US Air Force Veteran, Chris didn’t have $22,000 to fix his septic system. A Craft3 Clean Water Loan made it happen.
When you repay your loan, we use that money to make other loans. This allows us to serve more homeowners. Over time, this makes a big difference for communities, local economies and the environment.
"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."