HomeStreet Bank - Banking, Credit Cards, Home Loans & Auto Loans

Tami Encinas

Loan Officer

NMLS ID#: 507130

32650 State Route 20 Building E
Suite 201
Oak Harbor, WA 98277

Mobile: 360-631-2975 Fax: 360-719-5045 Email
  • First-Time Homebuyers
  • Refinance
  • Purchase
  • FHA Loans
  • Jumbo Loans
  • VA Loans
  • USDA Loans

About Me

You must be looking for home financing. I do that! HomeStreet Bank has an impressive variety of loan programs to suit many different situations. Whatever type of mortgage you are looking for, I am here to give you the options and guide you through the process. All you have to do is start the conversation and I'll help with the rest!

Call or email me today!

Customer Testimonials

Joe and Amanda Towsley, Retired US NAVY

Joe and Amanda Towsley recommends Tami Encinas at HomeStreet Oak Harbor Home Loan Center

What an easy experience working with Tami and Home street Bank. Tami was recommended by a friend and from start to finish by far the least amount of effort of any prior home purchases. Super helpful going over our finances and preparing us for the closing. I would defiantly recommend her to anyone thinking of shopping for a mortgage.
Thanks for everything.
The Towsley's

Kelly and Jeff Patton, Active Duty Navy

Kelly and Jeff Patton recommends Tami Encinas at HomeStreet Oak Harbor Home Loan Center

A million thank you’ s would not be enough to express the gratitude that my husband and I have for Tami and the team at HomeStreet. As first time home buyers, we had a lot of questions and anxiety about the process and using the VA loan. Tami put all of those worries to rest. She explained things the way we could understand them and was extremely thorough and patient with us. She is an excellent communicator and kept us informed throughout the entire process. When we made our bid on the perfect house it was a Sunday evening and Tami had all of the paperwork complete for our offer, with the best possible rates locked in, that night. I was incredibly impressed by the efficiency and professionalism in which she operates. I have already given her card to friends and would recommend her to anyone. Thank You Tami and HomeStreet. We love the new home!

Teri Gardner and Carl Seim

Teri Gardner and Carl Seim recommends Tami Encinas at HomeStreet Oak Harbor Home Loan Center

When we recently went through the process of buying a home, Tami made the whole financial experience seamless. She gave options to consider in choosing the most advantageous plan for us. Her vast experience, timeliness, and thoroughness throughout every detail was impressive. If you are planning to contact a Loan Officer, Tami should be the choice if you are looking for true professionalism.

Contact Me

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