Personal Banking, Home Loans & Business Banking and Loans

Janicki Home

Shopping for a home in Bellingham?

For those just starting to search for their ideal home to those who've been attending open houses every weekend, considering new construction is a smart move. HomeStreet Bank offers loan options that can make your brand new home purchase affordable and comfortable.

1.15% APY* Money Market | HomeStreet Bank 1.15% APY* Money Market | HomeStreet Bank

Check out homes for sale in Bellingham by Janicki Residential.

HomeStreet Bank is proud to be a trusted lender for Janicki Residential.

Janicki has homes for sale in Bellingham, Washington in two new communities: TRIO|Cottages and TRIO|Commons.

Make your move affordable with loan options that require little or no down payment and great interest rates. Your home purchase is a big deal to us! Experience the comfort of excellent communication, a designated point-of-contact for your entire process, and continued service after close. 

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Conventional mortgages are a very popular option. Suitable for many homebuyers, they allow as little as 3% down payment and provide both fixed-rate and adjustable rate (ARM) options.

  • As little as 3% down required
  • Low interest rates
  • No Mortgage Insurance required with down payment of 20% or greater


FHA loans, insured by the Federal Housing Administration, meet the needs of modern buyers by requiring just 3.5% down payment, allowing for a lower credit score than Conventional loans, and offering great interest rates. 

  • As little as 3.5% down required
  • Low interest rates
  • More relaxed qualification criteria than other loan types


Qualified US Armed Forces personnel have earned benefits provided by Veterans Affairs (VA), one of which is access to a fantastic loan program. VA loans require nothing down, do not require monthly Mortgage Insurance, and have flexible qualifying criteria.

  • Zero down payment required
  • No monthly Mortgage Insurance requirement
  • Flexible qualifying criteria
  • Available to eligible active duty, veterans, and reservists of all branches and their spouses
  • Additional benefits for disable vets

Even with low down payment loan options, the upfront expense of a down payment and closing costs can be an obstacle. Down Payment Assistance programs (DPAs) are meant to help buyers move into their new home without waiting to save the cash needed at close. These programs aren't just for first-time homebuyers! HomeStreet is proud to partner with local programs and state agencies to offer helpful assistance. 

Meet your dedicated home loan expert:


Theresa Sundance


NMLS ID# 487542

2204 Riverside Drive
Suite 100
Bellingham, WA 98273

As your experienced and dedicated lending professional, it is my duty and responsibility to ensure you fully understand the home financing options available to you. This is crucial to ensure you are making the best choice for your specific financial situation, and to make sure that it will meet your long and short term financial goals. I am an experienced Certified Mortgage Planning Specialist in my area and 100% of my business is based on referrals. Agents and builders I've worked with in the past place their trust and confidence in me when providing my name to the people who are important to them who are looking for mortgage financing.

Together we’ll look at your finances, your current situation and your plans for the future to determine the type of financing that will best suit your needs. A home is the largest purchase most people make in their lives, I want to help you make the best financing choice. I look forward to providing you with excellent, expert service. Whether you are buying your first home or adding another investment property to your portfolio, I am committed to providing you with 5 star services!

All loans subject to approval.


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