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

 VA ApplicationFHA and USDA Application Home Loan Comparison


Veterans Affairs (VA Loan)

VA home loans provide financing for you if you are a qualified veteran, reservist, or active duty military personnel. If you're looking for an affordable loan option, this may be the time to buy or refinance using your U.S. Department of Veterans Affairs benefit. VA home loan rates are often lower than standard conventional loan rates.


  • There is no minimum down payment.
  • It's an affordable option.

Federal Housing Administration (FHA Loan)

Is your credit history less than perfect? Are you looking for a low-down-payment home loan? Never fear, FHA loans are insured by the U.S. Department of Housing and Urban Development and are designed to help you own a home.


  • 3.5% minimum down payment required.
  • Federally insured.

USDA Home Loan

Guaranteed Rural Housing program is offered for homes outside of metropolitan areas.


  • No down payment required.
  • Available for more rural properties.
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Harborstone Credit Union originates home loans in partnership with Credit Union Home Mortgage Solutions. FHA and USDA loans are offered through Caliber Home Loans. All loans subject to approvals. Your loan rate will be based on your credit qualifications and the amount and term of your loan.


  • Verified by VISA
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
  • Equal Housing Opportunity
  • Harborstone Credit Union is a BBB Accredited Credit Union in Lakewood, WA
(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207