Let us help make your dreams a reality.

Buying a home is one of the biggest financial decisions you’ll make in your lifetime. At Harvard FCU, we pride ourselves on making the mortgage process as straightforward and hassle free as possible. Whether you’re purchasing a new house or refinancing an existing loan, our loan experts will help find the solution that’s right for you.

How it works:

  • Interest rate stays the same over the life of the loan
  • Monthly principal and interest payments remain constant
  • Flexible terms: 15, 20 and 30 year terms available (view mortgage rates)
  • No Annual Fees, No Pre-Payment Penalties: additional mortgage closing cost discounts are available with certain Harvard FCU checking account

Ideal for:

  • Someone who plans to live in their house for a long time
  • Someone who wants the certainty of a fixed monthly payment

How it works:

  •  Interest rate is locked in for a set period of time, after which rates fluctuate depending upon the index and margin
  • Lower mortgage payments during initial fixed term
  • Flexible terms: 5, 7, 10, 15-year adjustment periods available
  • No Annual Fees, No Pre-Payment Penalties: additional mortgage closing cost discounts are available with certain Harvard FCU checking accounts

Ideal for:

  • Someone who doesn’t plan on owning their home for a long period of time
  • Someone who wants lower initial monthly payments than a fixed-rate loan provides

To get started and receive your personalized closing costs estimate, click here!

Please Note: First Time Home Buyers should subtract $500 from the total.

At Harvard FCU, First-Time Home Buyers receive the following benefits:

  • 0.125% rate discount1
  • FREE Pre-Approval good for 90 days
  • $500 credit towards closing costs2
  • Additional $500 credit if you meet HUD income limits3
  • Reduced Lender Attorney fee ($150 value)
  • Support 7 days a week, including weekends

Jumbo Mortgages are available and designed to fit someone who has larger borrowing needs. Loan amounts up to $5 million may use the online application. For options available above $5 million, please contact a Harvard FCU Mortgage Specialist for assistance.
Schedule an Appointment with a Mortgage Team Member

If you’re a medical professional searching for a home, Harvard FCU’s Medical Professionals Home Loan offers low down payment options and flexibility!

Learn More

40 Year 10/1 ARM Benefits and Features:

  • Lower, more affordable monthly payment
  • Lower monthly payment can increase your buying power
  • Same rate as the 30 Year 10/1 ARM: Contact our MLOs for more details
  • Interest rate is fixed for the first ten years and then adjusts every year after for  the life of the loan
  • Available for purchases and refinances
  • Available for conforming and jumbo mortgage amounts
  • Available for first time homebuyers and eligible for first time homebuyer discount

Subject to credit approval.

1. Must be owner occupied property, Home Ready product is not eligible for discount.
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.

Mortgages Across New England

Harvard FCU now offers our exceptional home loan experience in all New England states.

Mortgage Rates

Here are just a few of our current Mortgage Rates.
As low as
rate as low as
rate as low as