Whether you’re buying your first home, moving up or refinancing, we have a program for you.  Applying is easy and many loans are approved at the time of application, subject to final underwriting approval. So take a deep breath – we’ll be right beside you every step of the way.

 
 
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First-time homebuyer

Some homebuyers, particularly those making their first home purchase, lack a large down payment. Fret not. While traditionally a down payment of 20% or more was required for conventional financing, today’s market offers several alternatives with lower entry costs.

 
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Jumbo Loans

We offer a variety of Jumbo loan programs to fit your home purchase needs. You can choose between fixed or adjustable rates depending on your goals. Finding the right loan to fit your Jumbo needs can be challenging. Trust our knowledgeable team to guide you through the process. 

 
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VA Loans

The primary purpose of the VA loan is to offer long-term financing to qualified service members. VA loans are available to active duty, former military, reserves and guards of the Army, Navy, Air Force, Marines, and Coast Guard and their spouses.

 
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FHA Loans

FHA loans, secured by the Federal Housing Administration, are one of our most popular offerings and for good reason. FHA loans allow for a small down payment, just 3.5%, and the qualification criteria permits a lower credit score than Conventional loans. Currently, HomeStreet can consider applicants with credit scores of 580 or above.

 
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Condos

One of the biggest challenges faced with condominium financing is that Fannie Mae, FHA and VA loans require special project approvals. However, HomeStreet Bank has a streamlined condo approval process, which means a faster loan approval and closing for you and your purchase! Ready to get started?

 
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HELOC

A Home Equity Line of Credit or HELOC provides homeowners the ability to tap into the equity they’ve built in their homes. You can take advantage of a HELOC on both primary residences and vacation homes. A HELOC establishes a line of credit that can then be used to finance expenses such as home improvement projects, college tuition, or to create a rainy-day financial resource.

 
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Refinance

Refinancing could allow you to lower your payments and tap into the equity of your home.