Enjoy an $800* Closing Credit on Qualifying Loans
We’re here to support your home loan with an $800* closing credit. It’s automatically applied when you close by August 31, 2026. No physical coupon necessary.
Qualified conventional home loans¹ are:
- Purchase
- Refinance
- Cash-Out Refinance
¹Not valid on VA, USDA, and FHA loans.
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Owning a home is likely the biggest investment of your life. Whether you’re purchasing a new home, leveraging your current home’s equity, or selling your home, we can help!
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Conventional Home Loan¹ Options
Purchase
These loans have an interest rate that adjusts with the market or is fixed for the life of the loan. It’s the home loan that’s easiest to understand. Plus, you have some options with the terms, so you can design a conventional loan that’s right for you.
- A fixed-rate option – do you plan on staying in this home for a longer period of time? Then a fixed rate might be right for you, locking in the rate for the length of the loan.
- Adjustable-rate options – many times you can get a lower rate with an adjustable-rate loan. And you can choose the length of time before the loan adjusts.
- A choice of loan lengths – you can decide the length of loan that’s right for you— usually from 15 to 30 years.
Refinancing
We offer refinance options designed to meet a variety of personal and financial goals. Our home loan experts will work with you to find the refi program that fits your needs.
- You may be able to lower your mortgage interest rate depending on your current rate and the new rate you apply for.
Cash-Out Refinance
A Cash-Out Refinance loan can turn your home’s equity into cash by replacing your current mortgage with a new loan.
- Minimize your cost to borrow. Cash-out refinances often have lower rates than home equity loans, personal loans, and credit cards.
¹Not valid on VA, USDA, and FHA loans.
Apply Now Learn MoreNMLS: #401533 | NMLS Registry
Disclosures:
*$800.00 credit towards loan closing costs will be issued as a Lender Credit at the time of loan closing. Valid only on conventional home loan purchase and refinance applications received between April 1, 2026, and August 31, 2026, for loan amounts of $50,000 minimum and $2,000,000 maximum. Not valid with any other offer. Limit one credit per loan transaction. Applicants are responsible for loan costs incurred if the loan does not close and/or is not funded by Harborstone Credit Union. This offer cannot be retroactively applied to previously closed loans or loan applications that were already in process earlier than April 1, 2026. Credit may not be redeemed for cash or equivalent. All loans are subject to credit approval. Other fees and restrictions may apply.