Routing #291973687

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Routing #291973687
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Home Loans

Special Limited Time Offer: No Closing Costs on 10 Year  In-house Mortgage****


Pay your loan off faster and save even more in interest with our free bi-weekly payment option on all in-house loans. Ask a mortgage lender for details.


Type of Loan Duration Rate APR*
Fixed Rate First Mortgage** in-house up to 10 years 3.29% 3.704%
First Mortgage*** in-house
(15 – yr amortization)
10 year balloon 3.54% 3.703%
First Mortgage
(15 year amortization)
as low as
First Mortgage
(30 – yr amortization)
as low as
5 year balloon









Construction – interest only 3-18 Months 5.25%
Fixed Rate Home Equity***
as low as
5 to 10 years

Range of:





Home Equity Lines of Credit:
Prime Line Minus 1% (1% bal pymt/15 – yr term)
15 years 4.50%
Prime Line Interest Only Payment (5-year term) 5 years 5.00%
Unsecured Home Improvement (borrow up to $25,000) up to 10 years 5.49%
Unimproved Land up to 50% of appraised value
(no maximum loan amount)
5 year balloon  6.50% 6.573%
Unimproved Land 51% – 100% appraised value 5 year balloon 7.25%   7.326%
1 year ARM (up to 30 years)
5 year ARM (up to 30 years)
adjusts after 1 or 5 years Call  722-9242 for rate
 5/5 ARM (up to 30 years)  adjusts every 5 years Call 722-9242 for rate
Conventional First (secondary market only)  15,20,30,40 year fixed rates available Call 722-9242 for rate

What We Offer

First Mortgages:

  • Purchases and refinancing (including purchase money seconds)
  • Primary, vacation and investment property financing
  • Flexible term and payment options
  • Serviced at Harbor Pointe Credit Union

Home Equity Loans:

Easy application process, use your home equity loan for such things as home improvements, debt consolidation for lower monthly payments, pay college tuition and more!

  • Competitive interest rates
  • Flexible terms
  • Home remodel loans up to 133% LTV!

Lines of Credit:

Our home equity line of credit offers:

  • Flexible fund withdrawal
  • Terms up to 15 years (5 year draw, 15-year repayment)
  • Competitive interest rates
  • Up to 100% loan to value
  • low rate margins

Home Improvement Loans:

  • Low or no equity? A Home Improvement Loan may be your solution
  • Must be used for home improvements only
  • Unsecured loan up to $25,000 with up to 10 years to repay
  • Eligible property types (owner occupied) Single Family, Townhouse, Condominium, Duplex

Construction Loans:

Building that dream home? We can help!

  • One time close
  • Construction to permanent financing available
  • 3 – 18 months construction phase
  • Interest only payments while you build

Raw Land:

Lake property, hunting land, future new home site? It’s easy with a land loan at Harbor Pointe Credit Union!

  • Up to 100% purchase financing  available
  • Flexible terms and payments

For Your Purchase and Refinancing Need We also Offer:

  • Conventional Mortgages
  • FHA Loans
  • VA Loans

*APR = Annual Percentage Rate

**APR = Annual Percentage Rate, up to 10 year term, first mortgage position only, mortgage remains at Harbor Pointe. Payment example based on $100,000 loan amount at 3.29% interest rate with an APR of 3.292%, 120 monthly estimated payments of $979 which includes principal and interest payments; maximum Loan-to-Value is 80%. Rate subject to change without notice. Current Harbor Pointe 10 year in-house mortgages refinances do not qualify. See a Harbor Pointe Mortgage Specialist for complete details.


***APR = Annual Percentage Rate, up to 10 year term, 2nd mortgage position only, mortgage remains at Harbor Pointe. Based on $50,000 loan amount at 6.70% interest rate with an APR of 6.703%, maximum Loan-to-Value is 100%. Rate subject to change without notice. See a Harbor Pointe Mortgage Specialist for complete details.

All rates subject to change. Please call Harbor Pointe loan department to verify the most current rates.

**** ** No closing costs offer does not include cost of an appraisal, if applicable. Does not include purchase transactions or non-owner occupied real estate. Maximum waiver of closing costs is $500 per membership.

Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.