I work with a couple of really good lenders that are very ethical, honest and caring, which is very important when you are trying to buy a house! You need someone who knows the rules, has a creative mind based on the rules, and can help you get the best loan possible.
Michael Morneault, is a senior loan officer of Home Street, Vice President of the Lake Oswego Branch.
He has been a loan officer for over 30 years. Has qualified for “President’s Club” which is the top 5% of loan officers in the company for all 30 years. Experience with all types of financing including: Oregon State Bond Loans, 1st time homeowner loans, conventional, VA, FHA, Jumbo, renovation loans, and construction loans.
HomeStreet Bank is one of the largest regional banks in the Pacific Northwest. Based in Seattle, HomeStreet has banking and lending centers that span seven states. In Oregon, we have four bank branches and six home loan centers. For nearly 100 years, HomeStreet has offered home loans. A common-sense lending approach, consideration of nontraditional income streams, quick loan approvals, and personalized service help to make our lending process more customer friendly. As of 2012, we are publicly traded company (NASDAQ: HMST).
Available HomeStreet Products
In addition to traditional purchase or refinance loans, HomeStreet offers a range of products designed to suit various homebuyer needs.
• Government loans such as USDA,
VA, and FHA, allowing credit scores
as low as 580
• Jumbo loans with as little as
5% down for primary residence
purchase and refinance (up to
$636,150 loan amount) and 10%
down for higher loan amounts
• Manufactured home lending
(conventional and government
programs) including single-wide
• Borrow up to 89.9% of the home’s
combined loan-to-value (CLTV)
when you combine a first lien loan
with a Home Equity Line of Credit
• Physician loans
• Portfolio loan options for special
• Renovation and Construction loans
• Buyer assistance programs