Loan Programs — Harbor Home Loans
Loan programs

Every route to the water, mapped

Six proven programs, one calm process. Tell us where you're headed and we'll chart the way — whether that's a first home near the boardwalk or a jumbo loan on the bluff.

Most popular

Conventional

The dependable standard for primary residences — and a strong fit for well-qualified second-home buyers along the coast.

  • Down payments as low as 3% for qualified buyers
  • Fixed and adjustable rate options, 10–30 year terms
  • Second-home financing with as little as 10% down
  • No mortgage insurance with 20% or more down
Start with Conventional
Flexible credit

FHA

A friendly entry point when your credit history has a few barnacles or your savings are still growing.

  • Down payments from 3.5%
  • Credit scores from 580 considered
  • Gift funds allowed for the down payment
  • Competitive rates backed by federal insurance
Start with FHA
For those who served

VA

Earned benefits for veterans, active-duty service members, and eligible surviving spouses. Coastal duty stations welcome.

  • 0% down payment for eligible borrowers
  • No monthly mortgage insurance
  • Limits on closing costs you can be charged
  • Reusable benefit — use it more than once
Start with VA
Higher balances

Jumbo

Built for waterfront and view properties that sail past standard loan limits — including luxury second homes and select vacation-rental purchases.

  • Loan amounts above conforming limits, into the millions
  • Primary, second-home, and vacation-property options
  • Interest-only and ARM structures available
  • Underwriting that understands complex income
Start with Jumbo
Lower your rate

Refinance

Trade your current loan for a better one — a lower rate, a shorter term, or cash out for that long-planned deck overlooking the water.

  • Rate-and-term refinancing with quick closings
  • Cash-out options for renovations or consolidation
  • Drop mortgage insurance when equity allows
  • Free side-by-side comparison before you commit
Start a Refinance
New to this

First-Time Buyer

Your first mortgage shouldn't feel like open water. We pair you with one advisor who explains everything in plain English, start to finish.

  • Low down payment paths, including 3% options
  • Down payment assistance program guidance
  • Homebuyer education and credit coaching
  • No question too small — ever
Start as a First-Timer

Not sure which fits?

Most people aren't when they start — that's normal. Apply once, and your advisor will compare programs side by side and recommend the best route for your situation.

Apply now
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