It’s your first home, but it’s not our first mortgage.
Harvard FCU is here to help you through every stage of the process.
How Much Can You Borrow?
The first step of buying a home is mortgage pre-qualification. When you are pre-qualified for a mortgage, our staff will discuss your needs to help determine how much you may be eligible to borrow prior to submitting a mortgage application.
Get Pre-Approved
A pre-approval is one step further than prequalification and requires additional documentation. With a pre-approval, we will provide a letter which tells sellers and real estate agents that you are financially prepared to negotiate a purchase. Pre-approvals are valid for 90 days.
Perks
- .125% rate discount for Crimson Elite Checking account holders with mortgage autopay1
- FREE Pre-Approval good for 90 days
- $500 credit towards closing costs2
- Additional $500 credit if you meet HUD income limits3
- Support 7 days a week, including weekends
Calculators
Subject to credit approval.
1. Rates are effective December 20, 2024, and are subject to change at any time. Conforming loans up to $766,550, 75% loan to value (LTV) ratio purchase, credit score > 780, one unit, owner occupied properties. For adjustable rate mortgages, rates may increase. Rates include a .125% discount for maintaining an active Harvard FCU Crimson Elite Checking Account with mortgage autopay. To qualify for the discount, the Crimson Elite Checking Account must be established and maintained in good standing prior to the closing of your mortgage. The rate discount is subject to change or withdrawal at any time without notice. If the Crimson Elite Checking Account is closed or no longer meets the eligibility requirements, the rate discount will be forfeited, and your mortgage rate will be adjusted accordingly. Investment/non-owner-occupied properties are not eligible. Members that meet Fannie Mae’s low-income limits can select from any of Harvard FCU’s Checking Accounts; low-income limits set by most recent data available at ami-lookup-tool.fanniemae.com. Additional terms and conditions may apply. Please consult with a mortgage specialist for further details.
2. Credit does not apply to No point no closing cost program.
3. Low income limits set by most recent data available at Huduser.gov.