Last Updated: 04/18/2025
HomeStreet Bank Home Loans
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in Home Mortgage Loans from HomeStreet Bank
Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
$100,000 - $2,000,000
Loan Term (Years)
15 - 30
HomeStreet Bank Home Loans Review
HomeStreet Bank Home Loans is offered by HomeStreet Bank (NMLS #417396), a bank founded in 1921 and based in Seattle, WA. HomeStreet Bank mortgage are available in 7 states.
Key Takeaways
- Wide selection of mortgage programs offered. HomeStreet Bank Home Loans offers FHA, FHA 203k, USDA, VA, conforming, and conventional mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Standard interest rates types.
- Only primary residences considered. HomeStreet Bank Home Loans does not offer financing for vacation homes or investment properties.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
HomeStreet Bank Home Loans Pros & Cons
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HomeStreet Bank mortgage FAQ
How much can you borrow via HomeStreet Bank?
HomeStreet Bank mortgage allows borrowers to apply for loan amounts of up to $2,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What is the maximum loan term you can get with HomeStreet Bank mortgage?
HomeStreet Bank mortgage offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does HomeStreet Bank offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, HomeStreet Bank mortgage may charge a loan origination fee .
What mortgage programs are available?
Besides conventional mortgages, HomeStreet Bank mortgage offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- FHA 203k: An FHA mortgage you can also use to finance home improvements.
What property usage types does HomeStreet Bank mortgage allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. HomeStreet Bank mortgage allows the following property usage types:
- Primary home
What is the customer service phone number?
The customer service number for HomeStreet Bank Home Loans is (800) 719-8080.
What is the support contact email?
The support contact email for is Deborah.Leibel@homestreet.com.
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Hours of Operation
Sunday
Closed
Monday
7:00AM - 6:00PM
Tuesday
7:00AM - 6:00PM
Wednesday
7:00AM - 6:00PM
Thursday
7:00AM - 6:00PM
Friday
7:00AM - 6:00PM
Saturday
Closed