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)

FHA Loan Products

FHA Elite

Industry-leading government rates and pricing. This is the obvious choice for top-tier borrowers.

  • 640+ FICO

  • $125,000 - county loan limit

  • All fixed term mortgages

  • Single family primary residences

  • Debt ratios accepted per automated findings

  • 3/1 and 5/1 ARMs available

FHA Streamline

FHA Streamline program allows you to refinance your FHA borrower with no appraisal or AVM. Time is of the essence—stop the shop and use our quick closing process to secure your borrower.

  • 640+ FICO

  • Debt ratios accepted per automated findings

  • Up to 60 days interest allowed

  • $500 maximum cash back at closing

ARMs

HUD REO

We have aggressive ARM pricing that can provide a lower payment to you. 

  • 3/1 and 5/1 Treasury ARMs available

  • Qualifies at note rate

  • Jumbo loans eligible

We can close your HUD REOs in as fast as two weeks from submission while allowing holdbacks up to $5,000 for escrow repairs.