OSS Loan Program

Whatcom County and nonprofit lender Craft3 are partners in the regional Clean Water Loan program to offer affordable loans to repair or replace failing septic systems and, if approved by the county, to connect to municipal sewer systems.

Loan features include: 

  • Finances the full cost of designing, permitting, installing and maintaining your septic system.
  • Competitive interest rates and no up-front costs.
  • Highly inclusive for a range of incomes and property types (including commercial and non-owner occupied).
  • Deferred payment options may be available for homeowners with lower incomes.
  • All loans include a $2,000 reserve to support the system’s ongoing health.

Learn more and apply at www.craft3.org/homeowner-loans/clean-water/washington. You can also contact Craft3 at [email protected] and 888-231-2170.

About Craft3

Craft3 is a nonprofit, non-bank, Community Development Financial Institution (CDFI) providing loans that strengthen businesses, families and the environment throughout Oregon and Washington. Its borrowers create jobs, generate wealth, strengthen families and protect the quality of the environment. 

Craft3 is proud to offer the Clean Water Loan with support from many public and private partners including the U.S. Environmental Protection Agency and the State of Washington. Since 2002, Craft3 has invested over $14 million to help more than 650 property owners with failing septic systems through its Clean Water Loan. Learn more about Craft3 and our impacts at www.craft3.org and www.craft3.org/videos.

Clean Water Loan with Craft3 Video

 Craft3 is an equal opportunity lender, provider, and employer. Not all applicants will qualify.  Craft3 NMLS ID#390159

Craft3 Clean Water Loan Brochure