Loans Products
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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!
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. 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.
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.
*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.
FHA (Federal Housing Administration)
The FHA loan program is a great option for homebuyers that may have less than perfect credit or limited funds available for a down payment. FHA requires a down payment of less than 5%, which can be a gift from an acceptable source. FHA also features flexible qualifying standards and less strict credit requirements than many conventional loans.
Fixed Rate Mortgages
A fixed rate mortgage provides the borrower peace of mind knowing their monthly payment will be the same for the life of the loan. With loan terms ranging from 10 to 30 years, you can pay off your mortgage at a pace that's best for your unique situation. Fixed interest rates will always remain the same, and your principle and interest payment will never change. If you appreciate the convenience of a consistent mortgage payment, this could the perfect program for you.
Freddie Mac Home Possible®
The Freddie Mac Home Possible® mortgage loan is a great option for first time homebuyers and borrowers with low-to-moderate income. Home Possible® is available for new home purchases, with reduced mortgage insurance, flexible sources of funds for down payment and closing costs.
Fannie Mae HomeReady®
The Fannie Mae HomeReady® program is great for first time homebuyers and borrowers with little or no credit history. HomeReady® is available with a variety of options designed to address some of the most common obstacles homebuyers face when purchasing a home. It offers options to help minimize or alternatively document cash for down payment and closing costs, more flexibility when qualifying for the minimum payment using your income, and a lower minimum credit score requirement than most mortgage programs.
Jumbo
A jumbo loan allows you to purchase a home with a loan amount that would traditionally exceed the limits of conventional financing such as luxury homes and multi-unit properties. In addition to increased financing for the purchase of a high value home, a jumbo loan refinance could lower your monthly payment, allow you more discretionary income, and restore the investment value of your home.
USDA/RD (Rural Development)
The USDA Rural Development (RD) program is designed for homebuyers with low-to-moderate income and savings, financing a home in a designated rural area. USDA/RD requires low or no down payment, allowing the borrower additional funds to pay for closing costs or prepaids in the mortgage. In some cases, the seller can pay a portion of the sales price to cover closing costs. The USDA/RD loan can also be used to refinance an existing mortgage to a lower interest rate.
Super Conforming
Super Conforming loans provide options for individuals purchasing or refinancing in areas with higher housing costs than are allowed with conventional programs. A variety of terms are available for purchase or refinance to fit your needs.
VA (Veterans Administration)
The Veterans Administration (VA) mortgage is a great loan program for Veterans, service members, eligible spouses and other military personnel with a Certificate of Eligibility. VA loans are a fantastic option for eligible vets for a variety of reasons, including low to no down payment and no primary mortgage insurance. The VA loan also offers the most flexible credit and qualification requirements of any loan product.