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Home Loans

Home Loans

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.

 

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

 
TRADITIONAL HOME LOAN OPTIONS
Loan Type Ideal Loan If: Down Payment Details Rate Details Additional Information
Conforming Fixed Rate

Apply
You want predictability of payments. 3% minimum down payment required. Traditional fixed rate. No
Conforming High-Balance Fixed Rate

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Your loan amount exceeds the conforming limit of $424,100 and the property is located in King, Snohomish, Pierce, or Island counties. 3% minimum down payment required. Traditional fixed rate. No
Traditional Portfolio 5/5 ARM

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You want the lowest payment available. 3% minimum down payment required. Rate adjusts with the market. 5% minimum equity is required to refinance.

ARM = adjustable rate mortgage.

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SPECIALTY HOME LOAN PROGRAMS
Loan Type Ideal Loan If: Down Payment Details Rate Details Additional Information
Jumbo Home Loan Program

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You need to borrow more than the conforming loan limit for your home.

20% minimum down payment required.

Determined by buyer's credit score and additional variables.

Loan amounts up to $1 million.

Options available for first-time homebuyers.

Portfolio Advantage Plus 5/5 ARM

Apply
You want to make a small or no down payment. No down payment required. Great low start rate.

Rate adjusts every five years with a maximum of 2% per adjustment.
No mortgage insurance is required.

Must be primary residence.

Must have a minimum credit score of 700.
Manufactured Home Program

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You are purchasing a manufactured home on a permanent foundation that is an existing property. 5% minimum down payment required. Determined on buyer's credit score and additional variables. Must be owner-occupied and built after June 1976.

Up to 65% LTV cash-out refinancing may be available.
HomeReady Program

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You are credit-worthy with low to moderate income. Down payments as low as 3%.

Gifts and grants can be used for down payment and/or closing costs.
Determined by buyer's credit score and additional variables. Private mortgage insurance is cancelable.

Must complete an online homebuying course.

LTV = loan to value. Income limits may apply to HomeReady Program. Guidelines apply. Terms for a home loan refinance may be slightly different from a purchase, which is outlined above.

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GOVERNMENT HOME LOAN PROGRAMS
Loan Type Ideal Loan If: Down Payment Details Rate Details Additional Information
Veterans Affairs

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You are a qualified veteran, reservist, or active-duty military personnel. No minimum down payment required. Often lower than standard conventional loan rates. May buy or refinance with your U.S. Department of Veterans Affairs benefit.
Federal Housing Administration

Apply
You want to make a small down payment and have a blemished credit history. 3.5% minimum down payment required. Determined by buyer's credit score and additional variables. Federally insured by the U.S. Department of Housing and Urban Development.
USDA

Apply
You are looking to purchase a home outside of metropolitan areas. No down payment required. Determined by buyer's credit score and additional variables. No

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 are subject to approvals. Your loan rate will be based on your credit qualifications and the amount and term of your loan.

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COMMON QUESTIONS
 

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Harborstone Credit Union

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All rights reserved.

P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870

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