Loan Programs and Lenders

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