Owning a home is likely the biggest investment of your life — whether you’re looking to buy a new home, leverage equity you already have in yours, or sell your home, we can help!
Home Mortgage Loans
Donate today & help us reach our $1M goal to preserve the polar bear’s Arctic home.
Polar bears live on the ice-covered waters of the arctic, relying almost entirely on shrinking sea ice for their survival.
“I Predict That We Could See Ice-Free Summers onthe North Pole Within a Decade.”
First time homebuyer videos
34%
0
RAISED
$376,943
OUR GOAL
$1,000,000
John Forsyth, Lead Researcher, The Canadian Polar Insitute
RESOURCES
KNOW WHAT TO EXPECT WHEN YOU GET A MORTGAGE
We know that getting a mortgage is a big decision and we want to make sure that our members have the resources to make the mortgage process as simple as possible. From application to closing, our expert mortgage team will ensure that you stay informed.
Mortgage Calculator
Member First Mortgage
Visit the Member First Mortgage website to learn more about our mortgage partner and for more mortgage resources.
Find Out More About Loan Products
If you'd like to learn more about individual loan products to figure out which one is right for you, visit MFM's Loan Product page on their website.
Continue Your Application
Have you already started completing a mortgage application? Finish your application today!
How to Apply
From application to closing, our expert mortgage team will ensure that you stay informed. Watch this video to learn how to apply.
What to Expect
A mortgage is one of the biggest purchases you make. Watch this video for a quick guide on the process, and what to expect.
Whether you’re a first-time homebuyer or have lived in your home for years, Harborstone has an ideal loan option to fit your lifestyle and budget. As a Harborstone member, you are charged no origination fee on the bulk of our home loan types, saving thousands on the cost of your loan! Along with saving our members money, we also donate $100 to Habitat for Humanity with every loan we fund, giving back to the communities we serve.
Complete our mortgage application
Begin your journey to owning your new home today!
* This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Peter Kelly, NMLS #458992, is authorized to act as an agent of Harborstone Credit Union and is authorized to represent Member First Mortgage, LLC (‘MFM’). MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of Harborstone Credit Union (9611 Gravelly Lake Dr., Lakewood, WA 98499 | 253.584.2260 | NMLS ID: 401533). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org| Equal Housing Opportunity.
Take advantage of
our competitive rates
Now may be the perfect time to purchase the home of your dreams or refinance your current mortgage to save money!
Looking for a home loan?
Harborstone Credit Union and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent service to our members.
- Wide range of loan offerings
- Affordable down payment options
- Competitive rates & closing costs
- Expedited closings
- Easy online application
Our experienced team will work to ensure you get the perfect mortgage loans for your unique needs!
HomeAdvantage®
Search, Buy or Sell, and Save!
Looking for a one-stop homebuying experience? With Harborstone’s HomeAdvantage program, you can search, buy or sell, and save thousands!
Search with our innovative search tool. You can set boundaries, filters, favorites, and much more!
Find an agent near you. Agents are handpicked for their knowledge and experience, passion, and dedication to finding you the right home at the right price.
Earn cash rewards when you work with an agent in the HomeAdvantage network. The average savings in Washington State is $2,660!
Take advantage
of our competitive rates
Now may be the perfect time to purchase the home of your dreams or refinance your current mortgage to save money!
Looking for a home loan?
Harborstone Credit Union and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent service to our members.
- Wide range of loan offerings
- Affordable down payment options
- Competitive rates & closing costs
- Expedited closings
- Easy online application
We will work with you to make sure you get the perfect mortgage loan for your unique needs!
HomeAdvantage® —
Search, Buy or Sell, and Save!
Looking for a one-stop homebuying experience? With Harborstone’s HomeAdvantage program, you can search, buy or sell, and save thousands!
Search with our innovative search tool. You can set boundaries, filters, favorites, and much more!
Find an agent near you. Agents are handpicked for their knowledge and experience, passion, and dedication to finding you the right home at the right price.
Earn cash rewards when you work with an agent in the HomeAdvantage network. The average savings in Washington State is $2,660!
Begin your journey to owning your new home today!
*This is not a commitment to lend. All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC (MFM) is a partner of Harborstone Credit Union. For MFM’s licensing and disclosure information, please visit the Member First Mortgage, LLC licensing website. Harborstone Credit Union: 9611 Gravelly Lake Dr, Lakewood, WA 98499 | (253) 584-2260 | NMLS ID: 401533. Member First Mortgage, LLC Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532 | For licensing information, go to: www.nmlsconsumeraccess.org | Equal Housing Opportunity.
HomeAdvantage is available to borrowers through their membership with Harborstone Credit Union. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using Haborstone Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Harborstone Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards are void where prohibited by law or the lender. Examples of Cash Rewards amounts shown are based on 3% commission rates. Your agent’s commission rate may differ. Cash Rewards are void where prohibited by law or the lender. See HomeAdvantage website for details: www.harborstone.com
*Cash Rewards are awarded through HomeAdvantage to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Homebuyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Reward amounts depend on the commissions paid to the network agent. Obtaining a home loan or use of a specific lender is not required to earn Cash Rewards. If you obtain a home loan, your lender may have rules on how Cash Rewards can be paid. Cash Rewards are available in most states; however, they are void where prohibited by law or by the lender. Consult with your lender for details that may affect you.
If you have questions and want to talk about your specific situation, call our expert Mortgage Consultant from Member First Mortgage today:
Mortgage Consultant
CONTACT US TODAY!
*Peter Kelly is authorized to represent Member First Mortgage, LLC. For MLO licensing information, please visit NMLS Consumer Access.