HOME HARBOR FINANCIAL, LLC (HHF) strives for compliance with all applicable state and federal regulations pertaining to mortgage lending, advertising, and marketing including but not limited to all federal regulations set forth in title 12 of the Code of Federal Regulations, and the guidelines promulgated and/or enforced by the U.S. Department of Housing and Urban Development, The Consumer Financial Protection Bureau, and the Federal Trade Commission. HHF is not affiliated with any government agency.  All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend. Not all applicants will qualify for all loan products offered.  All loan programs, terms and interest rates are subject to change without notice.  All fees are subject to state and federal high cost thresholds. (NMLS Patrick Parke - 210815, HHF - 1178616)

Conventional Loan Products

Elite

Pay Advantage

ARMs

HomeReady

Home Possible

The obvious choice for top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, Elite program allows you to close quickly. 

  • 700+ FICO

  • Up to 80% LTV / 95% CLTV

  • Loan amounts from $200,000 up to County Loan Limits

  • Appraisal Waivers honored

  • Underwrite to AUS findings

  • Includes Conventional, High Balance and ARMs

  • New attached condos in Florida must be Fannie Mae approved

Eliminate monthly mortgage insurance and increase your borrower's buying power! Pay Advantage offers your clients one of the lowest monthly payments available with a low down payment.

  • Up to 97% LTV with no monthly M.I.

  • 100% gift for down payments eligible

  • Underwrite to AUS findings

  • M.I. certificates issued in house with no M.I. overlays

Lender aggressive ARM pricing can provide a lower payment for borrowers! Secure your rate in a competitive 5/1, 7/1 or 10/1 low interest rate ARM.

  • Provided savings for borrowers with lower rate and payment options

  • Reduced caps to 2/2/5 on all 5/1 ARM products

  • 7/1 ARMs qualify at the actual note rate

Fannie Mae’s conventional option for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Purchases up to 97% including FTHB

  • Refinances serviced by FNMA eligible up to 97% LTV

  • Reduced Mortgage Insurance

  • High Balance available

  • Relaxed AMI income limits based on census tracts

  • Gift funds eligible for entire down payment

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity. 

  • Up to 95% LTV

  • First time homebuyers, move-up borrowers, and retirees

  • No income limits for Underserved Areas

  • No reserve requirements for 1-unit properties

Home Possible Advantage

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Up to 97% LTV

  • First time homebuyers, move-up borrowers, and retirees

  • Refinances up to 97% LTV, regardless of current mortgage program

  • No income limits for Underserved Areas

  • No reserve requirements for 1-unit properties

Split 50 and Split 100

Split 50 and Split 100 is a hybrid program combining a single-premium M.I. adjustment with the balance of the M.I. premium to be paid at a reduced monthly rate. Your client will benefit from a lower monthly M.I. payment, saving them hundreds of dollars every month while giving them a great low rate.

  • LTVs up to 95%

  • Split 50 at only 50 basis points

  • Split 100 is a less expensive option for your borrower than FHA loans

  • Underwrite to AUS findings

HomeOne

HomeOneSM mortgage is a low down payment option that serves the needs of more first-time homebuyers, along with no cash-out refinance borrowers. This mortgage solution allows you to help more first-time homebuyers achieve the milestone of homeownership, regardless of their income levels or geographic location. HomeOne reflects our dedication to responsible lending, sustainable homeownership and improving access to credit.

  • Up to 97% LTV/105% CLTV

  • No DTI restrictions (approve/eligible findings)

  • Appraisal Waivers honored

  • First Time Home Buyer Counseling is required thru CreditSmart

  • Purchases and no cash-out refinances

  • No Income Limits

  • One-unit properties with fixed rate financing only