Home Loan
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!
Explore some of our key features:
Loan Options
Mortgage Calculator
Meet the Team
Search, Buy, or Sell
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!
Search, Buy, or Sell…
And Save with HomeAdvantage!
Looking for a one-stop homebuying experience? With Harborstone’s HomeAdvantage program, you can search, buy, or sell – and save thousands!
Search with our innovative search tool. You can set boundaries, filters, favorites, and much more!
Find an agent near you. Agents are handpicked for their knowledge and experience, passion, and dedication to finding you the right home at the right price.
Earn cash rewards when you work with an agent in the HomeAdvantage network. The average savings in Washington State is $2,660!
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.
* This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Peter Kelly NMLS #458992, is authorized to act as an agent of Harborstone Credit Union and is authorized to represent Member First Mortgage, LLC (‘MFM’). MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of Harborstone Credit Union (9611 Gravelly Lake Dr., Lakewood, WA 98499 | (253) 584.2260 | NMLS ID: 401533). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.