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 and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent 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
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.
