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Seattle Community College District

Seattle Community College District partners with HomeStreet Bank to offer its employees the Hometown Home Loan Program. This employer-assisted housing program offers a wide selection of home loan options, whether you are buying your first home, refinancing or remodeling. Seattle Community College District has a bank that makes their priorities its priorities. Pretty nice of them, wouldn’t you say?

Your Hometown Benefits

Your Hometown Home Loan Program benefits are available to you exclusively through the Affinity Lending Center. Here are the many ways that you can take advantage of those benefits. Go ahead, take a look. When you're ready, give us a call and our Hometown loan officers can help you take the next steps.

Reducing Closing Costs

Reduced Closing Costs and Fees

The costs involved with financing a home can really add up, but the Hometown Home Loan Program significantly reduces your closing costs and fees.

When you get your home loan through the Affinity Lending Center, a "credit" of .50% of the loan amount will be applied towards your closing costs on owner-occupied purchases, refinances, construction loans and more. For example, on a $200,000 loan, that's a savings of $1,000!

Plus, we've partnered with escrow agents, inspectors and others who also offer discounts on their services.

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Hometown Family

Hometown Benefits for Your Family Members

Now you can share the gift of homeownership with your immediate family members!

The Hometown Family program lets your parents and children use your Hometown Home Loan Program benefits to save thousands when they finance their home through HomeStreet Bank’s Affinity Lending Center.

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First time buying a home? Learn more about down payment assistance.

Buying your first home can be a daunting process and for many people can be quickly overwhelming.

We want you to know that if you’re buying your first home, you’re not alone. Nearly half of our Hometown customers are first-time home buyers. Our loan officers are here to help. They are patient and can answer all your questions. They can help you put together a real estate team to help make your first home buying experience smooth. They can even help you with down payment assistance and special first-time buyer programs.

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Buying a Fixer-Upper?

Buying a short sale or fixer-upper?

Whether you're looking to finance the purchase and renovation of a new home, or want to remodel your present one, a renovation loan might be right for you.


You can finance a wide variety of remodel and rehab projects to make the home more livable, including additions, system upgrades, weatherproofing or even solar energy equipment — and one loan finances both the home purchase and rehab costs.

HomeStreet Bank is a recognized expert in renovation financing, with nearly 20 years of experience helping home buyers take advantage of this unique loan.

Renovation Loan Features:


  • A single loan covers both purchase and rehab (remodeling) costs.
  • The loan closes before the work begins.
  • The buyer has up to six months to complete the repairs or remodeling.
  • Down payments are as low as 3.5% (down payment can be gifted).
  • Less stringent qualifying requirements are available.


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Get Your Questions Answered

Get your questions answered

HomeStreet Bank's Affinity Loan Officers have years of experience in the industry and are noncommissioned, which means they are dedicated to serving your needs.

Contact your Hometown Home Loan Program Lending Center:


Phone: 206-628-0207

Toll Free: 888-425-6990

601 Union Street, Suite 1800

Seattle, WA 98101

Send us an email

Extended hours

The Affinity Lending Center is available during extended business hours. You can reach our Affinity Loan Officers from 8:00 a.m. to 9:00 p.m. weekdays and 9:00 a.m. to 5:00 p.m. Saturdays by calling one of our hotlines. You can also apply online 24 hours a day!

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Hometown Resources

Two heads are better than one, and many heads are better than two. The Hometown Home Loan Program has brought together a variety of partners to improve your experience and make homeownership more affordable. So you don’t just have us on your side — you’ve got all our friends.

Local Partners

Local Partners and Programs

These groups partner with HomeStreet Bank to enhance the Hometown Home Loan Program.

Homestead Community Land Trust

Homestead Community Land Trust is a Seattle-based nonprofit with homes available for $50,000 to $100,000 below market prices. Homes are available within the city of Seattle as well as White Center, Boulevard Park, Skyway and Shoreline.

Land trust ownership means that you are able to purchase a home at a lower price because the land remains part of the land trust. Subsidies received by the first buyer are not repaid, but "paid forward" to help future buyers afford a home in the Seattle area.


Geographic and property value restrictions apply. For more information on the Homestead Community Land Trust, please contact your Hometown Hotline.

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Hometown Program Apps

As part of your Hometown Program, we offer you access to apps that can help make the homebuying process a snap, whether you're thinking about financing or you're already out looking for your future home.

MyNestMY NEST Photo Journal App

MY NEST is a homebuying photo, audio and video journal that captures and organizes every detail of every home you visit. Plus each home that you record can be reviewed and shared with friends and loved ones.

Activate your app with your Hometown Program code: WWHTHL.

playstore  appstore 


Mortgage CoachMortgage Coach App

The Mortgage Coach app is designed to help you and your loan officer find the best financing options to put you in the home of your dreams. Mortgage Coach puts your Hometown Program financing options in the palm of your hand.

When you and your loan officer are ready to explore your financing options together, you can download the Mortgage Coach app below.

playstore  appstore 

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Financial Planning

Financial Solutions

American Financial Solutions partners with HomeStreet Bank as a part of your Hometown Home Loan Program to help you achieve your financial goals.

American Financial Solutions, a division of the North Seattle Community College Foundation, is a nonprofit credit counseling and financial education agency. They are dedicated to providing credit and debt counseling and financial education to consumers to help them make sound financial decisions and find debt solutions to improve their financial futures.

One of the debt solutions available to our clients is participation in a debt management plan, which unlike a debt consolidation loan, works with a client's current creditors, creating a plan of action to repay those debts under the best terms possible. Debt management is not the right solution for everyone, and working one-on-one with a certified credit counselor will help identify the best debt solution for you.

Get started with American Financial Solutions.

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Home Inspectors

Participating Home Inspectors

A home inspection can be a valuable tool to determine if the property has any hidden problems that can end up costing you money. A home inspector gives you an expert opinion and professional report on the condition of the physical structure and various systems within the home.

Please contact an Affinity Loan Officer for a complete list of participating home inspectors in your area.

Down Payment Assistance

Down Payment Assistance

Many people think that down payment assistance is free money — most of the time it is not. Many down payment assistance programs come in the form of a second mortgage that has a low interest rate or deferred payments. Grants are funds that do not have to be paid back, unless you sell your home within a certain amount of time.

Down payment assistance funds generally come from the federal, state, county or city government to help low- to moderate-income first-time home buyers. Individual banks or employers may also offer grants or other types of programs.

Down payment assistance programs can usually be used with other programs and seller/realtor contributions, also known as layered financing.

The Hometown Home Loan Program offers many different down payment assistance programs for both second mortgages and grants to qualified first-time home buyers. Income restrictions may apply.

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Escrow Companies

Escrow Companies

Closing a mortgage transaction is the last crucial step in buying or refinancing a home. You have access to a select group of escrow companies that have agreed to work with the Hometown Home Loan Program.

A professional escrow officer makes sure that this step is performed properly by reviewing the lender’s applications, loan disclosures and other closing documents. They also witness the signing of the closing documents and answer your final questions.

The Hometown Home Loan Program has negotiated a reduced fee from a number of escrow companies as a part of your program benefits. Please ask your loan officer for more details about participating escrow companies in your area.

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Default Prevention

Default Prevention Programs

Community nonprofit associations can be an excellent source of unbiased information and one-on-one financial counseling. They can be invaluable in helping you get back on the path to financial success, as they can help you understand your rights as a homeowner and the steps you can take to avoid foreclosure.

Local Resources:


This program, which offers counseling, $5,000 in stabilization loans and assistance in negotiating repayment plans with lenders, gives homeowners the option to avoid default and work out a repayment plan to stay in their home or gain enough time to sell their homes on their own terms.

National Resources:

  • The Unemployment Lifeline

    A one-stop guide that links workers to the resources in their area, from unemployment offices to veterans' services to child care. It also offers the opportunity to talk to others and share support and lessons learned.

  • Reverse Mortgages

    A reverse mortgage can help senior homeowners age 62 or older stay in their home and maintain ownership. Most reverse mortgages are FHA insured and they are a great way for you to achieve the financial security you need simply by using the available equity in your home. You can receive reverse mortgage proceeds in monthly payments, in a lump sum or as a line of credit that you can draw on as needed. Plus, the proceeds you receive are tax-free and are not repaid as long as you live in the house.

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Helpful Seminars and Classes

Hometown Classes & SeminarsThe financing process can be intimidating at times. Even after you own your own home, it can be hard to know when to refinance, how to pay for home improvements and how to get the most out of the sale of your home.

The Affinity Lending Center offers free home buying seminars each month to help demystify the home ownership process. Plus, we offer free on-site brown bag seminars on a range of topics, from remodeling your home to putting together a healthy budget.

Homeownership education is more important than ever! To sign up for a Hometown seminar, select it from the calendar below:


Learn More About the Loan Process

Navigating the homeownership process can be challenging task. Lucky for you, we've seen it all, and we're always happy to answer any questions you have. Below you can find great resources to help you learn more about financing the home of your dreams and how the Hometown Home Loan Program can help at every step of the way. When you're ready to get started, give us a call.

Buying a Home

First time home buyer? The Hometown Home Loan Program can help. The application process is easy, and it can provide valuable closing cost savings, which we don’t have to tell you is a good thing (even though we just did). Our Hometown Home Loan Program loan officers are here to help. They are non-commissioned and available to answer any of your homeownership questions. Plus, they’re just all-around nice people.

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Learn more about refinancing

Refinancing Your Home

There are many reasons to consider refinancing your home. Maybe you want a smaller monthly payment. Maybe you want to remove your private mortgage insurance (PMI). Or maybe you need cash to start a home remodeling project or pay off some credit card debt.

Whatever it is, our Hometown Home Loan Program loan officer can help determine if now is the best time to refinance. Or you can click below for tips and resources to help you get the most out of your home. Or, if you’re feeling wild, you can do both.

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