Loans and Programs
You may know Chris from Season 9 of the Bachelorette where he met his wife Desiree Hartsock on TV. Chris was also fortunate enough to play baseball in the Chicago Cubs organization for four years, bouncing around the country on different teams in different cities. What an experience! But what he does in his day to day life is much different. Chris Siegfried is also a nationally registered mortgage professional with HomeStreet Bank in Seattle where he's helped hundreds of families make home ownership a reality in Washington, Oregon, California, Arizona, Nevada, Idaho, Hawaii, Alaska, Colorado and Utah. From first time home buyers to clients looking to buy their second home or investment property, Chris works to find a loan program that fits your needs and is catered to your overall goals and plan. Chris has been awarded with HomeStreet Bank’s President's Club distinction year over year, an award given to those producers in the top 10% of the company. To see what people are saying, please visit his Zillow web page or Reviews page right here!
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.
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.
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.
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.
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.
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?
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.
Refinancing could allow you to lower your payments and tap into the equity of your home.