Mortgage Loans
You buy your home in the South Puget Sound, so why get your mortgage from a big national bank? Harborstone was raised here. Just like you. Better yet, we're a not-for-profit credit union, so the money we earn stays right here at home. Growing local communities. Building local businesses. Now that's a pretty good deal.
Please visit the Home Loan Center for information on loan programs, rates, and fees. Use the helpful calculators and glossary, including details on closing and beyond. Track your application status and learn about your property.
Click here to print the Mortgage Loan details.
A Special Note To Members: If you are already a Harborstone mortgage member, but are concerned about making your payments, we may be able to help. Read more here.
| Program | Minimum Down Payment | Good For |
|---|---|---|
| Standard Program Get terms to fit your individual needs, with low loan fees and rates |
5% refinances 3% purchases |
Any member looking for a traditional fixed-rate loan. |
| Harborstone 80/20 Available for home purchases on single family dwelling. Must be primary residence. |
0% | A 100% financing, zero-down loan with no monthly Private Mortgage Insurance (PMI) payments. Great for first-time home buyers looking to get into a home with less money and less stress. |
| Adjustable Rate Program With an ARM, you'll get the lowest payment available so you can afford more. |
5% refinances 3% purchases |
Members looking for a rate that adjusts with the market. |
| Jumbo Program Great option for any member looking to finance a high-balance mortgage. |
10% | Larger loans that don't qualify for a standard program, up to $2 million. |
Need more? Visit the Home Loan Center for all your home buying needs.
Learn More About The Value Of Membership
