We offer free pre-approvals, local servicing, rate lock options, fast turnaround and processing. FHA and Massachusetts Housing programs allow qualified borrowers the opportunity to purchase a home. Apply Now
| Type Of Mortgage |
Features |
| Fixed Rate Mortgages |
- Interest rate does not change for term of loan.
- Choose your term up to thirty years.
- Lower rates are available with shorter terms.
|
| Adjustable Rate Mortgages |
- May allow you to qualify and afford more house for your money.
- Choose your term up to thirty years.
- Rate adjusts with market conditions based on U.S. Treasury Bills plus a margin.
- When reviewed, your rate may be increased or decreased at any adjustment period
|
| 1-Year Adjustable |
- Interest rate is reviewed annually with a 2% adjustment per review and a 6% lifetime cap.
|
| 3-Year Adjustable |
- Interest rate is reviewed every 3 years with a 2% adjustment per review and a 6% lifetime cap.
|
| 5/1-Year Adjustable |
- Interest rate is fixed for the first 5 years.
- Then, rate is reviewed annually with a 2% adjustment per review and a 5% lifetime cap.
|
| 7/1-Year Adjustable |
- Interest rate is fixed for the first 7 years.
- Then, rate is reviewed annually with a 2% adjustment per review and a 5% lifetime cap.
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| Special Programs |
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| First-Time Buyer |
- Ask us about current benefits.
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| Construction Loans |
Offers many convenient features such as:
- One application and loan closing.
- Interest-only payments during construction.
- HarborOne also offers Permanent/Speculation Construction loans.
|
| Biweekly Mortgage |
- Lowers your payment term.
- Saves you interest.
- Conveniently deducted from your HarborOne Account.
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Applicants must live or work in Norfolk, Barnstable, Plymouth or Bristol counties. Our regional lending managers are available to meet with you at a time and place most convenient for your schedule. We also have lenders who can speak Spanish, Portuguese and Haitian French (Creole).
