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)

VA Loan Products

VA Elite

Take your VA borrowers to a new level with industry-leading government rates and pricing. This is the obvious choice for your top-tier clients.

  • 640+ FICO

  • $125,000 minimum loan limit

  • Maximum loan amount can exceed county limits

  • All fixed term mortgages

  • Single family primary residences

  • 3/1 and 5/1 ARMs available

VA IRRL

We serve those who have bravely served in the Armed Forces with HHF's VA IRRRL with no appraisal. HHF allows  veteran borrowers to take advantage of their VA benefits by streamlining their current VA loan into a lower interest rate.

  • LTVs available up to 150%, unlimited CLTV

  • No appraisal

  • Maximum loan amount can exceed county limits

  • Available in all 50 states

  • AVM ran prior to submission

  • Elite pricing available 

ARMs

HHF's aggressive ARM pricing can provide a lower payment for your client. 

  • 3/1 and 5/1 Treasury ARMs available

  • Qualifies at note rate

  • Jumbo loans eligible