Home Loans
Homebuying can be stressful, but the financing doesn’t have to be. Whether you’re a first-time homebuyer, you’re looking to refinance with a lower interest rate, or you want to tap into your home’s equity with a line of credit, let’s talk about options that fit both your needs and your budget. Take advantage of our competitive rates and apply today!
Looking for a Home Loan?
Harborstone Credit Union is proud to offer affordable mortgage solutions and exceptional service to our members.
- Wide range of loan offerings
- Affordable down-payment options
- Competitive rates & closing costs
- Expedited closings
- Easy online application
Our experienced team will work to ensure you get the perfect mortgage loan for your unique needs!
Purchase
We offer a wide range of mortgage options for members looking to buy a home. Our Mortgage Consultant will work with you to find the right loan program that fits your needs.
- Competitive rates & closing costs.
- Affordable down-payment options.
- Dedicated Mortgage Consultant to help you during your loan process.
Refinancing
We offer refinance options designed to meet a variety of personal and financial goals. Our Mortgage Consultant 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.
First-Time Homebuyer
We offer mortgage programs with special features and benefits built exclusively for first-time homebuyers.
- Reduced mortgage insurance.
- Affordable down-payment options.
- Ideal for borrowers with little or no credit history.
Down-Payment Assistance Program
Mortgage loan programs designed to make buying a home easier and more affordable!
- Flexible sources of funds for down-payment and closing costs.
- Ideal for borrowers with low to moderate income.
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.
Jumbo Loan
Jumbo loans allow you to purchase or refinance a home with a loan amount that exceeds conforming limits.
- Ideal for borrowers looking to buy or refinance more expensive homes.
- Usually requires a larger down payment (on purchase transactions).
Construction
A one-time close, construction-to-permanent loan that’s great for members looking to build the home of their dreams.
- Financing for a primary residence or second home using a conventional construction loan.
- Available for purchase or limited cash-out refinance (LCOR) applications.
Not sure if you want to apply? Get a Quote!
"I am thrilled to say all my questions were answered and problems addressed. Your staff was kind, knowledgeable, and attentive to my needs."
Judy F. – Harborstone Member
Mortgage Calculator
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How to Apply for a Mortgage
A helpful step-by-step video to make sure your loan application is complete and worry-free!
What to Expect Throughout the Mortgage Process
Know exactly what to expect every step of the way through the mortgage process.
Owning a home is likely the biggest investment of your life. Whether you’re looking to buy a new home, leverage your current home’s equity, or sell your home, we can help!
Meet the Team
Want to connect with a Harborstone loan officer? Curious about your application, the process, or have other questions?
Contact any member of our team for assistance or email our general inbox here.
John Barry
NMLS #1535761
John Barry
John has been dedicated to helping families achieve their homeownership dreams for over 30 years. He believes that homeownership is the cornerstone of generational wealth, and his passion lies in guiding people on their journey to finding a place they can truly call home.
As the Manager of the Mortgage Department, John focuses on empowering his team to better assist first-time buyers as well as those looking to move up or downsize. He is committed to streamlining the loan process to ensure a smooth experience for borrowers in our community, continuously seeking innovative ways to improve service and support.
In addition to his role at Savi, Powered by Harborstone Credit Union, John serves as a board member of the Washington State Affordable Housing Advisory Board, where he takes great joy in hearing the success stories of new homeowners.
Darrell Elke
NMLS #422230
Darrell Elke
Darrell has been helping borrowers with their home loans for over 20 years. The cornerstone of his success is finding solutions that work for the borrower’s needs, whether that means finding a good rate or educating people on the loan process.
Holly Peterson
NMLS #526854
Holly Peterson
Holly has been working as a Loan Officer/Mortgage Lender since 2007. Her years of experience makes her an excellent communicator through the loan processing, making sure each loan program is tailored to her borrowers current needs and future goals.
She supports her community as a member of the Burlington Mid-day Rotary Club and Board Member of the Burlington-Edison Alumni Foundation (B-EAF).
Piero Rodriguez
NMLS #1172408
Piero Rodriguez
Piero Rodriguez is a seasoned Mortgage Loan Originator with over 15 years of experience which includes 9 years in mortgage lending and 7 years in retail banking, primarily serving Skagit, Whatcom, Snohomish, and King counties. A dedicated professional since March 2009, Piero has been instrumental in helping clients navigate the mortgage process with expertise and care.
A graduate of Mount Vernon High School and Skagit Valley College, Piero is also WSHFC (Washington State Housing Finance Commission) certified. His deep involvement in the community includes being an active member of the Mount Vernon Chamber of Commerce.
Mith Sharma
NMLS #1019418
Mith Sharma
Mith has been in the financial services industry since 2011, building extensive experience across both retail and mortgage banking. His career has spanned various leadership positions, utilizing his broad knowledge to support his team and clients. At Savi, Powered by Harborstone Credit Union, he serves Snohomish, King, Skagit, and Whatcom counties.
He holds a Management Certificate from Harvard University and is actively involved in the local community as an Ambassador for the Snohomish Chamber of Commerce and a member of Engage Everett, Engage Snohomish, and the Marysville Chamber of Commerce.
Jill Scavotto
NMLS #740637
Jill Scavotto
With over 40 years of experience, Jill Scavotto specializes in providing smooth, transparent mortgage services. Serving primarily King and Snohomish Counties. She began her career in high school and became full-time in 1983, gaining expertise through hands-on experience.
Outside of work, Jill is the president of the Weedettes, a group that beautifies veterans’ cemeteries. She enjoys gardening, baking, cooking, and traveling, and shares her home with Earl, her cat.