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  HomeStreet Bank Mortgage Refinance

HomeStreet Bank Mortgage Refinance

in Mortgage Refinance from HomeStreet Bank · NMLS ID #417396

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HomeStreet Bank Mortgage Refinance

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in Mortgage Refinance from HomeStreet Bank · NMLS ID #417396

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Highlights
Highlights
Loan Amount Up to $2,000,000
Loan Term (Years) 15 - 30 years

HomeStreet Bank Mortgage Refinance Review

HomeStreet Bank Mortgage Refinance is offered by HomeStreet Bank (NMLS #417396), a bank founded in 1921 and based in Seattle, WA. HomeStreet Bank Mortgage Refinance is available in 6 states across the USA.

Key Takeaways
  • Mortgage programs available. HomeStreet Bank Mortgage Refinance refinances FHA, FHA 203k, HARP, USDA, VA, conforming, and conventional mortgages.
  • Interest Rate Types. HomeStreet Bank Mortgage Refinance offers hybrid mortgages and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage refinance loan early.
HomeStreet Bank Mortgage Refinance Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • No co-sign option.
  • Only available in 6 states.
HomeStreet Bank Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via HomeStreet Bank Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. HomeStreet Bank Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

Does HomeStreet Bank Mortgage Refinance charge a mortgage origination fee?

Yes, HomeStreet Bank Mortgage Refinance will charge a loan origination fee.

What mortgage programs does HomeStreet Bank Mortgage Refinance offer?

HomeStreet Bank Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. 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.
  • HARP: A mortgage refinance program for home loans owned or backed by Fannie Mae or Freddie Mac. No minimum credit score or value appraisal required.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does HomeStreet Bank Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. HomeStreet Bank Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Contact

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

Other Services by HomeStreet Bank

Availability

  Available in 6 states
  • Arizona
  • California
  • Hawaii
  • Idaho
  • Oregon
  • Washington

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Loan Term 15 - 30 years
Loan Amount Up to $2,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • HARP
  • USDA
  • VA
Terms 3/1, 5/1, 15, 30 years

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