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2016 Holiday Loan

Holiday Loan Frequently Asked Questions

How do I apply for a holiday loan if I didn't get a check?
You may apply for a $2,500 12 month fixed rate loan at any HomeStreet Bank branch or by calling 1-844-467-0350.

How did we determine who we approved for the loan? Is this solely credit based?
We prescreened HomeStreet customers over the age of 18 who reside in CA, HI, OR or WA.  We then used credit score and history to determine who would receive the offer. It is based on credit and participation in screening programs.

When was the check sent and where is it coming from? 
Checks were sent on 11/02/2016 and are being mailed from California.

Are the loans only for customers with a checking account? 
No, all eligible HomeStreet Bank customers were screened for this program.

Are Holiday Loans automatically set up for auto pay?
Holiday Loans will not be set up on automatic payments. You must contact HomeStreet Bank at 1-844-874-7468 to set up auto payments for this loan.

I “opted out” during the year, will I still receive this offer?
No, you will not as we must honor your preferences. You may apply for a $2,500 12 month fixed rate loan at any HomeStreet Bank branch or by calling 1-844-467-0350.

What if my check is lost or stolen?
Contact us at 1-844-467-0350 and we will work with you to resolve the issue and re-issue your Holiday Loan check.

Will the loan be visible in online banking? 
Yes, the loan will be visible in online banking within 24 hours. If the loan is not visible please contact CSC at 800-719-8080.

If I have an existing balance from their previous year loan, will it be consolidated to the new loan?
Yes, 2015 balances remaining will be consolidated with your new 2016 Holiday Loan.

What day of the month is the payment due?
Your first payment will be due 45 days after your check is cashed or deposited and monthly thereafter. You will be sent a Truth in Lending disclosure specific to your loan once your check has been processed.

Are there any prepayment penalties?
No, there are no penalties for early payment or payoff.

Can I use the check that was mailed as a mobile deposit?
Yes, as long as you physically endorse the check.

Will there be any relationship or auto pay discounts for this offer?
No, the offered rate is fixed regardless of employer, relationship with HomeStreet Bank or enrollment in auto payments.

Can my payment be deducted from my paycheck?
No, this is a feature we cannot offer for any loan.

When should I expect my check to come in the mail?
Checks should begin arriving on or after November 3, 2016.