Personal Banking, Home Loans & Business Banking and Loans

Ralph Austin

Affinity Loan Officer

NMLS ID#: 720620

200 SW Market Street
Suite 500
Portland, OR 97201

Office: 503-227-3956 Toll free: 888-408-0066 Fax: 503-827-7389 Email
  • Hometown Home Loan Program
  • First-Time Homebuyers
  • FHA Loans
  • Purchase
  • Refinancing
  • Renovation Loans

About Me

Homeownership is my passion!

During the 20 years I’ve been involved in housing and real estate, I have witnessed how important owning a home is to one’s personal success. Helping customers obtain this success is my top priority. I will take the time and make the effort to understand each customer’s situation, and to match their need with the most beneficial products and services.

I’ve come to this understanding through a variety of experiences, most recently by developing housing for first-time homebuyers and seasoned homeowners. Prior to joining HomeStreet, I worked for 10 years in the non-profit housing community pioneering development models that created affordable home-buying opportunities.  That experience involved originating second mortgages to targeted buyers while working with numerous first mortgage lenders and Fannie Mae.
I served 8 years on the Portland Housing Center Board of Directors (2 years as Board Chair). I was also a long-time Board member and Board Chair of the Community Development Network, the consortium of non-profit housing providers. I’ve been involved in many aspects of real estate during my career, including; market and financial analysis, buying and selling property, lending, construction, and development. This depth and breadth of real estate experience has trained me to address issues from many perspectives. My goal is to take this knowledge and apply it to the needs of each unique customer.  

Customer Testimonials

Pam Brown-Ebright, Retired

Pam Brown-Ebright recommends Ralph Austin at HomeStreet Portland Affinity Lending Center

We moved to Portland 4 1/2 years ago and while we searched for a house to buy, we were referred to Ralph Austin at HomeStreet. He was great to work with as we began the process of purchasing our first house in Portland, so when we sold that house and prepared to purchase another, we went back to see Ralph.

This being our second time working with him, everything went even smoother than the first. And he went above and beyond to help us stay on schedule even though we were in the middle of the COVID-19 pandemic. We highly recommend him to anyone interested in a home mortgage in the Portland area.

Jane Igoe, Clinical Study Coordinator

Jane Igoe recommends Ralph Austin at HomeStreet Portland Affinity Lending Center

Ralph is a professional through and through. He clearly knows the ins and outs of his position and the industry and he was generous in sharing his knowledge, no matter how basic or particular my question. He navigated me through an unusual loan situation and just when I thought the loan would fall through or be woefully behind schedule to close, he managed to not only problem solve to close, but close on time. I would definitely recommend him to friends and family- and I plan to do so!

John Lovell, Lead Front-end Developer

John Lovell headshot

John Lovell recommends Ralph Austin at HomeStreet Portland Affinity Lending Center

Ralph is awesome! He's helped me secure a loan on two houses now and both times, he and his team were crucial allies to have in my corner. His expertise, knowledge and fast response time were all very much appreciated.

Ralph always got back to me in 24 hours or less, but usually much sooner than that. Any time I had a question, no matter what it was, he was there was a quick answer and solid advice.

He worked tirelessly to make sure all of my needs were met and to ensure that I would secure the best possible outcome from a lending perspective. He exceeded all of my expectations by a very large margin and I would recommend him to anyone. It's also worth noting that he worked very well with my realtor. I appreciate the coordination between different teams on ensuring a totally smooth transaction.

Thanks again for all your help Ralph! You're our hero!


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