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

HomeReady Program

A great program for homebuyers who are creditworthy with low- to moderate-income.


  • Down payment as low as 3%.
  • Private mortgage insurance is cancellable.
  • Must complete an online homebuying course.
  • Gifts and grants can be used for down payment and/or closing costs.

Manufactured Home Program

Financing is available to you for a manufactured home, as long as it's on a permanent foundation and is officially considered to be real estate property.


  • 10% minimum down payment required.
  • Available for owner-occupied purchases only (for structures built after June 1976).
  • Must be on a permanent foundation and be an existing property.
  • Up to 65% LTV (loan-to-value) cash-out refinancing may be available (guidelines must be met).
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  • 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