Harborstone Credit Union: No One Takes Better Care of You

Home Loan Products

Whether you’re a first-time homebuyer or have lived in your home for years, Harborstone has an ideal home loan option to fit your lifestyle.

Be sure to visit our Home Loan Center for details on loan programs, rates, and fees for closing, and more. You can also try out our helpful calculators and brush up on terms in our glossary.

A special note to Harborstone members: If you are concerned about making your payments, we may be able to help. Learn more here.

  • Home Loan Products
  • Specialty Programs
  • Government Programs

Home Loan Application Home Loan Rates Home Loan Comparison


Standard Home Loan Program

The standard home loan program is good for you if you're looking for a traditional fixed-rate loan with low loan fees and rates.


  • 3% minimum down payment required.
  • Traditional fixed rate.

Portfolio Advantage Plus 5/5 Adjustable Rate Mortgage

The Portfolio Advantage Plus 5/5 adjustable rate mortgage (ARM) is good if you want to make a small or no down payment to purchase a home.


  • Zero down payment.
  • Great low start rate.
  • No mortgage insurance required.
  • Rate adjusts every five years, with a maximum of 2.00% per adjustment.
  • Must be a primary residence.
  • Must have a minimum credit score of 700.

Traditional Portfolio 5/5 Adjustable Rate Mortgage

The Traditional Portfolio 5/5 adjustable rate mortgage (ARM) is for you if you're looking for a rate that adjusts along with the market. With an ARM, you'll get the lowest payment available so that you can afford more (more property, a larger loan, and a bigger house.)


  • 3% minimum down payment required for purchases.
  • 5% minimum equity required for refinances.
  • The rate adjusts along with the market.
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(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207